Rating Analyst – Structured Finance

S&P Global

Rating Analyst at S&P Global analyzing structured finance and credit risk for various financial instruments. Supporting ongoing analysis and delivering insights that shape market decisions.

Posted 7/9/2026full-timeColorado • Colorado • 🇺🇸 United StatesJuniorMid-Level💰 $62,000 - $89,000 per yearWebsite

About the role

Key responsibilities & impact

Develop credit judgement through feedback/coaching and standard methodologies; reinforce standard ways of working to improve consistency and trust.
Support AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automations that support judgment, reduce rework, and accelerate delivery.
Support onboarding/capability-building of more junior colleagues through guidance on routines, quality standards, and effective use of approved tools.
Contribute to workflow improvement initiatives.
Own delivery for assigned credits with clear status updates, strong prioritization, and early escalation of risks/dependencies to ensure decision-ready outputs.
Maintain ongoing surveillance for assigned credits you support with, synthesizing developments into insights that support analytical discussions and committee materials with clear evidence.
Build/maintain analytical packs using standard templates; apply automation to reduce rework while retaining human ownership of conclusions.
Use approved GenAI/LLM tools as an enabler for research/comparison/drafting
Collect/reconcile/validate data; identify anomalies/gaps early.
Support maintenance/review of models under guidance; document assumptions/changes; standardize routines to reduce operational risk.
Support rating committees by preparing well-evidenced materials and responding to follow-up questions with transparency on sources and assumptions.
Translates data, analysis, and research into clear, decision-ready narratives for clients and senior stakeholders.
Clarifying technical information, bringing new ideas forward and adapting messaging to the audience.
Apply confidentiality, documentation, and governance requirements consistently, ensuring human accountability for final analysis and committee content.
Support testing of automation/agentic AI tools identified through process improvement initiatives.

Requirements

What you’ll need

2+ years of relevant work experience, preferably within a Structured Finance Ratings capacity or prior work experience working in residential mortgage credit at a bank or independent mortgage company.
Collaborative teammate who manages priorities and communicates clearly in a partnership-driven environment.
Learning agility and continuous improvement mindset, comfortable adopting new tools while protecting quality and accountability.
Ability to support juniors through guidance, quality checks, and knowledge sharing including responsible AI practices.
Strong research/data analysis skills.
Financial statement/data competence; experience supporting modelling preferred.
Understanding of credit/risk concepts.
Practical AI fluency: uses GenAI/LLMs to augment analysis.
Strong spreadsheet skills; willingness to learn data/automation tools to supervise and validate automated outputs.
Effective written and verbal communicator, able to present research and analysis in a clear, structured way that supports informed decision making.
High standards for accuracy, traceability, and documentation.
Responsible technology use: follows approved boundaries to protect confidentiality and integrity.

Benefits

Comp & perks

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.

ATS Keywords

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Hard Skills & Tools

Data AnalysisFinancial ModellingSpreadsheet SkillsAutomation ToolsQuality Assurance

Soft Skills

CollaborationLearning AgilityClear CommunicationGuidance and Mentorship