Description
We are seeking a Housing Credit Analyst to join our Public Finance practice in S&P Global Ratings. The successful candidate will be part of the Housing team, which covers approximately 600 ratings across housing finance agencies, public housing authorities, and community development financial institutions across the United States.
Responsibilities and Impact
- 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.
- 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.
- 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.
- 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.
Requirements
- 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.
Compensation / Benefits Information
- The anticipated base salary range for this position is $90,000 to $140,000 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.
Benefits
- 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.