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About the Role

The Structured Finance and Alternate Investment Funds Credit Ratings team is part of the Global Ratings Services team, analyzing the credit risk of securitized products and fund structures. This role involves supporting the end-to-end analysis of Residential Mortgage-Backed Securities (RMBS) transactions for new issues and ongoing surveillance. The team leverages AI as an enabler, guided by rigorous governance, to enhance human expertise and deliver actionable intelligence.

Responsibilities

Develop credit judgment through feedback, coaching, and standard methodologies.
Support AI-enabled team productivity by sharing reusable prompts, templates, checklists, and automations.
Onboard and build capabilities of junior colleagues through guidance on routines, quality standards, and tool usage.
Contribute to workflow improvement initiatives.
Challenge existing processes, leverage new tools, and apply fresh perspectives to complex data and problem-solving.
Own delivery for assigned credits with clear status updates, strong prioritization, and early escalation of risks/dependencies.
Maintain ongoing surveillance for assigned credits, synthesizing developments into insights.
Build and maintain analytical packs using standard templates, applying automation to reduce rework.
Use approved GenAI/LLM tools for research, comparison, and drafting.
Collect, reconcile, and validate data, identifying anomalies and gaps early.
Support maintenance and review of models under guidance, documenting assumptions and changes.
Support rating committees by preparing well-evidenced materials and responding to follow-up questions.
Translate data, analysis, and research into clear, decision-ready narratives for clients and senior stakeholders.
Apply confidentiality, documentation, and governance requirements consistently.
Support testing of automation/agentic AI tools.

Requirements

2+ years of relevant work experience, preferably within a Structured Finance Ratings capacity or prior work experience 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 and data analysis skills.
Financial statement/data competence; experience supporting modeling 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.
High standards for accuracy, traceability, and documentation.
Responsible technology use: follows approved boundaries to protect confidentiality and integrity.
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.

Skills

Structured Finance Ratings
Residential Mortgage Credit Analysis
Credit Risk Analysis
Securitized Products Analysis
Fund Structures Analysis
Data Analysis
Financial Statement Analysis
Modeling Support
Credit Concepts
Risk Concepts
GenAI/LLM Usage
Spreadsheet Skills
Automation Tools
Communication (Written and Verbal)
Research
Documentation
AI Practices

Location

Remote
Hybrid

Work Type

Full-time
Hybrid

Experience Level

2+ years of relevant work experience
Middle Professional Tier I

Education Level

Bachelor’s degree or equivalent required
Master’s degree or professional certification (such as CFA) is highly valued

Salary/Compensations

$62,000 USD to $89,000 USD (US)
62,000 CAD to 101,000 CAD (Canada)

Benefits

Annual incentive plan
Health care coverage designed for the mind and body
Generous time off
Access to resources for career growth and learning
Competitive pay
Retirement planning
Continuing education program with a company-matched student loan contribution
Financial wellness programs
Family perks
Retail discounts
Referral incentive awards

About the Company

S&P Global Ratings provides analyst-driven credit ratings, research, and sustainable finance opinions that offer critical insights for market participants.
The company enables growth across a wide variety of organizations by bringing transparency to the market through high-quality independent opinions on creditworthiness.
S&P Global Ratings is a division of S&P Global (NYSE: SPGI), a leading provider of credit ratings, benchmarks, analytics, and workflow solutions in the global capital, commodity, and automotive markets.
S&P Global helps leading organizations navigate the economic landscape to plan for tomorrow, today.
Our mission is Advancing Essential Intelligence.
We are more than 35,000 strong worldwide, driven by curiosity and a belief that Essential Intelligence can help build a more prosperous future.
Our values are Integrity, Discovery, and Partnership.

Equal Opportunity

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.