Rating Analyst - Structured Finance

About the Role: Grade Level (for internal use): 09The Team: Structured Finance and Alternate Investment Funds  Credit Ratings is an integral part of the Global Ratings Services team, comprising a diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high-quality insights and exceptional client service across all industry sectors.  The Structured Finance and Alternate Investment Funds practice evaluates the credit risk of securitized products and fund structures by analysing underlying asset performance, structural protections, cash-flow mechanics, and downside stress scenarios. Analysts produce opinions that help issuers and investors compare complex instruments, bringing market-relevant perspectives on topics such as performance trends, issuance conditions, and AI’s role in origination and securitization.  Our team specializes in analysing residential mortgage-backed securities across several sub-asset types including but not limited to 1st Lien, CES, HELOC etc. In this role you will support the new issue and surveillance end-to-end analysis of RMBS transactions.    The Impact: At S&P Global, our values - Discovery, Integrity, and Partnership - shape how we work, how we collaborate, and how we earn trust with our customers and each other. We embrace AI as an enabler, guided by rigorous governance and risk management, to enhance what has always defined us: the intelligence of our people, deep relationships, and trusted insights. By leveraging technology with human expertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligence without compromising quality, accountability, or integrity. What You Stand to Gain:   At S&P Global Ratings, you will contribute to independent credit opinions the market relies on, strengthened by innovation that accelerates analysis. We are People Forward. When you join S&P Global, you’ll benefit from: • Joining a diverse community where your growth and well-being come first—just like the 35,000+ colleagues who choose S&P Global every day. • Bringing your best self to work in an environment that values inclusion, collaboration, and authentic engagement. • Celebrating your achievements with us. We’re committed to your continuous learning, offering education, training, and career coaching to help you grow and adapt in a changing world. • Connecting through our People Resource Groups, which foster awareness, engagement, and a sense of community—both within S&P Global and beyond.   Responsibilities:   Team Contribution & Capability Building • 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. • Support innovation by proactively challenging existing processes, leveraging new tools, and applying fresh perspectives to complex data and problem-solving, Core Analytical & Delivery • 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. Stakeholder & Market Engagement • 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. Risk Management and Operating • 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.   Compensation/Benefits Information: (This section is only applicable to US candidates:) S&P Global states that the anticipated base salary range for this position is $62,000 USD to $89,000 USD. Final base salary for this role 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 the benefits we provide to our employees, please click here.     Compensation/Benefits Information: (This section is only applicable to Canadian candidates:) S&P Global states that the anticipated range of compensation for this position is 62,000 CAD to 101,000 CAD. Final compensation for this role 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: • An S&P Global employee at this level would typically have 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. Team Contribution & Capability Building • 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. Core Analytical & Delivery • 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. Stakeholder & Market Engagement • Effective written and verbal communicator, able to present research and analysis in a clear, structured way that supports informed decision making. Risk Management and Operating • High standards for accuracy, traceability, and documentation. • Responsible technology use: follows approved boundaries to protect confidentiality and integrity. Additional Information • An S&P Global employee at this level would typically have two to three years’ of relevant work experience. • 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 to reportfraud@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 activity here. ----------------------------------------------------------- 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 ----------------------------------------------------------- 20 - Professional (EEO-2 Job Categories-United States of America), RATNGS202.1 - Middle Professional Tier I (EEO Job Group)

• No visa sponsorship is available.

• Must be authorized to work without sponsorship.