Associate Director - Life/Health Insurance

Associate Director, Life/Health Insurance

As an Associate Director on our Life/Health Insurance team, you will join a supportive and collaborative group of approximately 15 analysts with diverse backgrounds and experiences in the financial services sector. Our team specializes in conducting comprehensive credit analysis for life/health insurance financial strength and debt ratings, working closely with analytical colleagues across the U.S. & Canada. We operate in a hybrid work environment that values both teamwork and individual excellence, fostering an atmosphere where experienced professionals can grow while mentoring the next generation of analysts.

In this role, you will be directly responsible for shaping credit opinions that influence market decisions and investor confidence. Your analytical expertise will drive rating recommendations for assigned insurance entities, while your participation as a voting member of rating committees will help determine outcomes that impact the broader financial services landscape. Through rigorous analytical work, mentoring junior team members, and engaging with clients and stakeholders, you will contribute to maintaining S&P Global's reputation as the industry leader in credit analysis and ratings.

Work alongside highly skilled professionals in a global financial services environment

Gain exposure to complex credit analysis and financial modeling across diverse insurance entities

Develop leadership skills through coaching and mentoring junior analysts

Build expertise in regulatory compliance and risk assessment within the insurance sector

Opportunity to present findings to internal and external audiences, including potential conference presentations and media interactions

Experience a culture that values analytical rigor, collaboration, and professional growth

Serve as the primary analyst for assigned issuers, preparing well-supported rating recommendations for rating committees with clear rating reports supporting our credit opinions

Serve as an active, vocal voting member of rating committees, which deliberate rating outcomes and review materials prior to publication

Publish timely and insightful credit reports as well as contribute to relevant research pieces

Demonstrate strong knowledge of ratings criteria and financial statement analysis, while staying informed on relevant news and issues affecting credit quality in the industry and broader market

Coach and mentor junior analysts, providing analytical support to team members and fostering a collaborative environment

Connect your day-to-day analytical work with broader team priorities and strategic objectives

Engage with clients and stakeholders to gather information, present findings, and address inquiries in a professional manner, demonstrating solid presentation skills in front of internal and external audiences

Operate effectively in a regulated compliance driven environment leveraging workflow systems

Apply solutions to complex analytical issues while taking an end-to-end view of credit assessment processes

Take initiative to identify potential credit risks and suggest process improvements to enhance analytical quality

Deliver high-quality analytical work consistently while meeting critical deadlines

Identify and resolve analytical challenges using data-driven approaches and creative problem-solving

All employees are required to work from the office a minimum of 2 days per week

Basic Required Qualifications:

Bachelor's degree in Finance, Economics, Accounting, Engineering, Mathematics, or related analytical field; MBA, CPA, or CFA preferred

An S&P Global employee at this level would typically have 6+ years of experience in financial statement analysis, accounting concepts and financial modeling, preferably with experience in corporate credit analysis

Strong client-facing skills with ability to communicate complex analytical concepts to diverse audiences

Ability to think independently and critically with strong integrity, analytical curiosity, problem-solving, and research skills

Excellent interpersonal and communication skills (both written and verbal) for internal and external stakeholder interactions

Strong attention to detail and demonstrated quantitative analysis capabilities

Ability to accurately interpret financial data and appropriately apply analytical criteria to generate key insights and conclusions

Collaborative team player with ability to work independently and willingness to support team initiatives

Proactive and organized with excellent time management skills and ability to prioritize multiple competing deadlines

Strong understanding of financial reporting and capital markets, with knowledge of credit rating methodologies preferred

Proficient in Microsoft Office suite and aptitude for learning proprietary analytical software and databases

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

Additional Preferred Qualifications:

Experience in mentoring or coaching junior professionals in analytical roles

Demonstrated presentation experience with internal and external stakeholders

Knowledge of insurance industry regulations and compliance requirements

Experience with financial modeling and forecasting for insurance entities

The anticipated base salary range for this position is $120,000 - $192,000 depending on location, experience, and skills. This role is eligible for an annual incentive plan and additional S&P Global benefits. For more information on the benefits we provide to our employees, please visit S&P Global Benefits.

Right to Work Requirements:

This role is limited to persons with an indefinite right to work in the United States.

Advancing Essential Intelligence.

We're more than 35,000 strong worldwideso 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.

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.

We take care of you, so you can take care of business. We care about our people. That's why we provide everything youand your careerneed to thrive at S&P Global.

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 awardssmall perks can make a big difference.

For more information on benefits by country visit:

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.

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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