Description:
The Practice: S&P’s Structured Finance (SF) division analyzes credit risk of debt instruments backed by an isolated pool of assets. The division is split into four main sectors, based off of the type of assets which back their respective debt-issuances: Asset-Backed Securities, Residential Mortgage Backed Securities, Commercial Mortgage Backed Securities, and Collateralized Loan Obligations. SF credit analysis is unique in that it is not focused upon the credit risk of a company with ongoing operations; instead, SF analysts generally rate to the cash flow and credit risk characteristics of the asset pool backing a set of securities, as well
Key Responsibilities
- Conduct credit and recovery analysis for various services provided to corporate, institutional, and governmental clients, ensuring accuracy and attention to detail.
- Evaluate the creditworthiness of organizations, focusing on their ability to meet financial obligations for traditional credit-based products and structured banking transactions.
- Provide timely and precise quarterly financial statistical and data analysis, demonstrating strong organizational skills.
- Assist in reporting, research, and presentation development, leveraging analytical skills to support research and analysis.
- Collaborate with the team on execution improvements and ad-hoc writing projects, fostering a collaborative and inclusive work environment.
What We’re Looking For
Required Qualifications and Experience:
- Completion of a minimum undergraduate degree by August 2025, with a strong academic record.
- All majors welcome, including Accounting, Business Administration, Engineering, Economics, Finance, Math, Public Policy, Quantitative Analysis, Data and Statistics.
- Proficiency in Excel and other Microsoft Office products (Word, Outlook, PowerPoint), demonstrating the ability to handle data and presentations effectively.
- Intellectual curiosity, with a keen interest in learning and applying new knowledge in credit analysis.
- Ability to conduct independent analysis and research, showing initiative and resourcefulness.
- Strong relationship-building skills, emphasizing collaboration and effective communication with team members.
- Strong storytelling skills, able to take complex data insights and turn them into engaging narratives that resonate with and inform our stakeholders
- Demonstrated problem-solving, time-management, attention to detail, and organizational abilities.
- A proactive mindset and adaptability, essential for thriving in a dynamic environment influenced by advancements in artificial intelligence and technology.
- Utilize AI technologies to analyze large datasets and derive actionable insights, integrating them into existing analytical frameworks.