Rating Analyst – Structured Finance, Colorado or Toronto
S&P Global · Toronto +1 · 1mo ago
About the Role:
Grade Level (for internal use):
09The Team
The Structured Finance and Alternative Investment Funds team at S&P Global Ratings evaluates the credit risk of securitized products and fund structures, analyzing underlying asset performance, structural protections, cash-flow mechanics, and stress scenarios. The team delivers credit opinions that help issuers and investors compare complex instruments, providing market-relevant perspectives on performance trends and issuance conditions across a growing and evolving sector.
The Impact and Responsibilities:
Team Contribution & Capability Building
Build credit judgment through coaching, feedback, and standard methodologies, reinforcing consistent ways of working to strengthen analytical quality and trust.
Contribute to AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automation that support judgment, reduce rework, and accelerate delivery.
Support the onboarding and development of junior colleagues through guidance on analytical routines, quality standards, and the effective use of approved tools.
Contribute to workflow improvement initiatives and support innovation by challenging existing processes and applying fresh perspectives to complex data and problem-solving.
Core Analytical & Delivery
Own delivery for assigned credits, maintaining clear status updates, strong prioritization, and early escalation of risks to ensure timely, decision-ready outputs.
Maintain ongoing surveillance for assigned credits, synthesizing developments into insights that support analytical discussions and rating committee materials.
Build and maintain analytical materials using standard templates, applying automation to reduce rework while retaining human ownership of conclusions.
Use approved generative AI and large language model tools to support research, comparison, and drafting tasks.
Collect, reconcile, and validate data, identifying anomalies and gaps early; document assumptions and standardize routines to reduce operational risk.
Stakeholder & Market Engagement
Support rating committees by preparing well-evidenced materials and responding to follow-up questions with clear transparency on sources and assumptions.
Translate data, analysis, and research into clear, decision-ready narratives for clients and senior stakeholders, adapting technical content to suit the audience.
Risk Management and Operating
Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for all final analysis and committee content.
Support the testing of automation and AI tools identified through process improvement initiatives.
Compensation and Benefits Information (US Candidates): S&P Global states that the anticipated base salary range for this position is $62,000 to $89,000 USD. Final base salary will be based on the individual's geographic location, as well as experience level, skill set, training, licenses, and certifications. In addition to base compensation, this role is eligible for an annual incentive plan. For more information on benefits, please click here.
Compensation and Benefits Information (Canadian Candidates): S&P Global states that the anticipated range of compensation for this position is CAD $62,000 to $101,000. Final compensation will be based on the individual's performance, geographic location, as well as experience level, skill set, training, licenses, and certifications. In accordance with Ontario's new regulations effective January 1, 2026, this job posting provides information on expected compensation. S&P Global will not be utilizing artificial intelligence in our hiring process. Additionally, we are committed to transparency and will inform all interviewed candidates of hiring decisions within 45 days of their interview. This posting is for an existing vacancy, and we encourage you to reach out for further information regarding our hiring practices or any questions you may have. Thank you for considering a career with us!
What We're Looking For
Basic Required Qualifications
Direct experience analyzing securitized products, fund structures, or related structured finance instruments.
Team Contribution & Capability Building
Collaborative working style with the ability to manage priorities and communicate clearly in a team-oriented environment.
Learning agility and a continuous improvement mindset, with comfort adopting new tools while maintaining quality and accountability.
Demonstrated ability to support junior colleagues through guidance, quality checks, and knowledge sharing, including responsible AI practices.
Core Analytical & Delivery
Strong research and data analysis skills, including financial statement competence and a solid understanding of credit and risk concepts.
Practical experience using generative AI or large language model tools to support analysis, research, or drafting in a professional context.
Strong spreadsheet skills and a willingness to develop proficiency in data and automation tools, including the ability to supervise and validate automated outputs.
Experience supporting financial modeling preferred.
Stakeholder & Market Engagement
Effective written and verbal communication skills, with the ability to present research and analysis in a clear, structured format that supports informed decision-making.
Risk Management and Operating
High standards for accuracy, traceability, and documentation.
Demonstrated commitment to responsible technology use, following approved boundaries to protect confidentiality and analytical integrity.
Additional Information
An S&P Global employee at this level would typically have 2 to 3 years of relevant experience in structured finance, credit analysis, or a related financial field.
Education: Bachelor's degree or equivalent required. A master's degree or professional certification (such as CFA) is highly valued. We welcome candidates from traditional finance disciplines as well as diverse academic backgrounds that support innovative and critical thinking.
Employees are required to work from the office a minimum of two days per week.
Candidates who reach the final stage of the interview process will be asked to attend at least one in-person interview at their nearest S&P Global Ratings office before an offer can be extended.
About S&P Global Ratings
At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions.
S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today.
For more information, visit www.spglobal.com/ratings
What’s In It For You?
Our Mission:
Advancing Essential Intelligence.
Our People:
We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. Join us and help create the critical insights that truly make a difference.
Our Values:
Integrity, Discovery, Partnership
Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals.
Benefits:
We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global.
Our benefits include:
Health & Wellness: Health care coverage designed for the mind and body.
Flexible Downtime: Generous time off helps keep you energized for your time on.
Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families.
Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference.
For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries
Global Hiring and Opportunity at S&P Global:
At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.
S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy.
Recruitment Fraud Alert:
If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported toreportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activityhere.
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Equal Opportunity Employer
S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment.
If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person.
US Candidates Only: Know Your Rights: Workplace discrimination is illegal
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20 - Professional (EEO-2 Job Categories-United States of America), RATNGS202.1 - Middle Professional Tier I (EEO Job Group)