About the Role:

Grade Level (for internal use):

12

The Team:

Credit Ratings is an integral part of the Global Ratings Services team,comprisinga 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 Esoteric ABS team assigns credit ratings to securities backed by non-traditional collateral like corporate securitizations, data centres, triple-net leases, transportation assets, De-Fi, etc. byanalysingunderlying 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, andAI’s role in origination and securitization.

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:

AtS&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:

- Joininga diverse community where your growth and well-being come first-just like the 35,000+ colleagues who choose S&P; Global every day.
- Bringingyour best self to work in an environment that values inclusion, collaboration, and authentic engagement.
- Celebratingyour achievements with us.We’recommitted to your continuous learning, offering education, training, and career coaching to help you grow and adapt in a changing world.
- Connectingthrough 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

- Act as senior reference point coaching (Research Assistants, Rating Analysts and Senior Analysts) on credit fundamentals, modelling discipline, data quality, and standard work including how to use AI as an enabler with governance.
- Coordinate work across credits;
Anticipatecapacity/quality risks;
influence outcomes through planning and constructivechallengein ambiguous situations.
- Embed continuous improvement into routines by improving playbooks/SOPs/prompt libraries and driving adoption.
- Partner with stakeholders toidentifyand shape high-impact use cases, supporting testing/adoption/rollout with governance, controls, and change management.
- Fosters a critical thinkingmindsetchallenging assumptions and the status quo to generate insights that shape market views and strategic decisions.
- Model enterprisebehaviors: Discovery, Integrity,



and Partnership including human-centric leadership alongside AI-enabled change.

Core Analytical & Delivery

- Deliver end-to-end analytical execution across a defined portfolio, setting a consistently high bar for quality, timeliness, and clarity to sustain customer trust.
- Lead surveillance and analytical updates, connecting performance, market developments, and issuer peers to forward-looking risk themes.
- Own the quality of key outputs, ensuring consistency and clarity of reasoning.
- Use approved GenAI/LLMs to accelerate research/comparisons/drafting.
- Operate effectively alongside AI agents in recurring workflows.
- Support the execution of AI-driven projects.
- Validate inputs, reconcile metrics, documentassumptions/model changes.

Stakeholder & Market Engagement

- Synthesizes data, analysis, and research into executive-ready, market-facing narratives that convey S&P;’s analyticalexpertise—leveragingbroad market knowledge and detailed analysis to deliver trusted advice that influences decisions.
- Builds collaborative stakeholder trust through empathetic communication, differentiates S&P;’s market viewpoint, and drives engagement with market participants.
- Contribute to strategic initiativesand alsothought leadership by researching, drafting, and refining content with senior team input.

Risk Management and Operating

- Ensure adherence tomethodology/confidentiality/data governance requirements;
elevate emerging risks early.
- Embed responsible AI use inworkflowprocess.
- Drive controlled automation/agentic workflows to remove low-leverage work, defining requirements/controlsand partnering with Data/Engineering to scale safely while setting expectations for ongoing monitoring and human oversight.

Compensation/Benefits Information:(

This section is only applicable to US candidates:**** S&P; Globalstatesthat theanticipatedbase salary range for this positionis $110,000 USD to $193,000USD. 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 clickhere (.

Compensation/Benefits Information:

_This section is only applicable to Canadian candidates:_ S&P; Globalstatesthat theanticipatedrange of compensation for this position is 110,000 CAD to 172,000 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 beutilizingartificial 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 informationregardingour hiring practices or any questions you may have. Thank you for considering a career with us!

What We’re Looking For: Practice Nuances

- Complete the end-to-end ratings process for new issue and surveillance transactions.
- Perform cash flow analysis, synthesize results, and present findings in a timely mannerin committees for various non-traditional assets, including transportation ABS, private equity, triple NNN, datacentres, time-share, whole business, and De-Fi transactions.
- Analysecredit, cash flow, and performance characteristics of collateral pools. Review third-party model output and reconcile with cash flow results from internal models.
- Review legal and operating documents to ensure consistency with criteria and identify issues with the transaction structure. Provide comments to external parties.
- Actively manage relationships with internal and external clients.
- Demonstrate strong knowledge of ratings criteria and cash flow analysis and be able to handle clients’ analytical questions.
- Actively contribute to our training and outreach efforts, including the completionoftimelycommentaries, podcasts, and webinars.

Team Contribution & Capability Building

- Execution maturity across credit portfolio;
delivers high quality with limited oversight.
- Strong collaboration/communication;
influences through credibility and constructivechallenge.
- Proven coaching/mentorship;
develops juniors through feedback and quality review and reinforces human accountability in AI-enabled work.
- Continuous improvement mindset with evidence of simplifying processes throughstandardization, tooling, and automation.
- Comfortable with ambiguity and change, adapting quickly as processes/tools evolve.
- Ability to scale automation/agent workflows by defining problems, supporting testing/UAT,identifyingcontrols, and enabling adoption.

Core Analytical & Delivery

- Strong research/data/credit/financialanalysis;
Translates complexity into decision-helpful narratives grounded in evidence and judgement.
- Strong understanding of the financial services environment and ability to connect developments toemergingrisk themes.
- Practical AI fluency: experience embedding GenAI/LLMs and agentic workflows to increase productivity/insight as an enabler of humanexpertise, paired with disciplined validation, governance, and judgement.
- Robust analytical tool capability;
willingness to learn data/automation tools to oversee AI-enabled production.

Stakeholder & Market Engagement

- Effective written and verbal skills for committee-ready documentation/presentation and interactions with issuers,investorsand market participants.

Risk Management and Operating

- High standards for accuracy, traceability, and governance;
consistent adherence tomethodology/documentation/confidentiality expectations.
- Sound judgement on responsible AI/automation (validation, bias/hallucination awareness, data

#J-18808-Ljbffr

📌 Associate Director - Structured Finance Ratings, Esoteric Assets, New York, Denver, Or Toronto
🏢 S&P Global
📍 Toronto