spgi · Chicago, IL ·
Analyzes and rates U.S. housing finance agencies, public housing authorities, and community development institutions, using credit analysis and AI tools to deliver insights for the affordable housing sector.
S&P Global · Tokyo, JP
S&P Global · Colorado, US
S&P Global · Mexico City, MX
S&P Global · Colorado, US
Grade Level (for internal use):
11The Team
The Housing team within S&P Global Ratings’ Public Finance practice covers approximately 600 ratings across housing finance agencies, public housing authorities, and community development financial institutions across the United States. The team nalyses capital fund financings and federally-enhanced housing issues, combining rigorous credit analysis with strong collaboration to deliver clear and trusted credit opinions on the affordable housing sector.
Responsibilities and Impact
Team Contribution & Capability Building
Coach junior team members on credit analysis, data discipline, and analytical tooling, building team consistency through shared standards and the responsible adoption of AI tools.
Core Analytical & Delivery
Lead end-to-end credit analysis for assigned credits, ensuring high-quality and timely delivery across the housing finance portfolio.
Manage surveillance and updates for an assigned portfolio, synthesizing performance, market signals, and peer context into clear risk insights; apply large language model tools in analytical workflows with structured validation and documentation.
Stakeholder & Market Engagement
Translate complex data, analysis, and research into clear narratives for clients, senior stakeholders, and rating committees, and build effective relationships with issuers and market participants.
Risk Management and Operating
Ensure adherence to methodology, confidentiality, and data governance requirements, escalating emerging issues early with clear options and recommendations.
Contribute to controlled automation workflows, supporting the design, testing, and rollout of AI-enabled tools while helping define appropriate boundaries between automated and human-led analytical processes.
Compensation / Benefits Information
S&P Global states that the anticipated base salary range for this position is $90,000 to $127,000 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 visit spgbenefits.com/benefit-summaries.
What We're Looking For
Required Skills and Experience
An S&P Global employee at this level would typically have 3+ years of relevant experience in financial analysis, public finance, or affordable housing finance.
Demonstrated experience in affordable housing finance, including roles in loan underwriting, portfolio management, real estate development, or capital raising.
Demonstrated understanding of affordable housing policies, financing structures, and funding programs, including low-income housing tax credits, housing choice vouchers (Section 8), and mortgage revenue bond programs.
Demonstrated ability to analyze financial statements and credit risk, delivering high-quality outputs across multiple credits with limited oversight.
Practical experience embedding AI, large language models, or agentic workflows into analytical processes to improve productivity and insight.
Effective written and verbal communication skills, with the ability to translate complex analytical findings into clear narratives for senior stakeholders and rating committees.
Preferred or Helpful 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.
Experience coaching or mentoring junior analysts in an analytical or financial services environment.
Experience contributing to scalable automation or AI workflows, including defining requirements, supporting testing, and enabling adoption.
Experience applying credit rating methodologies or public finance analytical frameworks in a structured credit assessment context.
Additional Information
We require all candidates who reach the final stage of our interview process to attend at least one in-person interview, which is ordinarily at your nearest S&P Global Ratings office. This must be completed before we can proceed to an offer.
Employees are required to work from the office a minimum of two days per week.
Right to Work Requirements
This role is limited to persons with an indefinite right to work in the United States.
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
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 [email protected]. 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.
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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: [email protected] and your request will be forwarded to the appropriate person.
US Candidates Only: Know Your Rights: Workplace discrimination is illegal
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202 - Middle Professional (EEO Job Group) (inactive), 20 - Professional (EEO-2 Job Categories-United States of America), RATNGS202.2 - Middle Professional Tier II (EEO Job Group)S&P Global · Mexico City, Mexico