Senior Analyst - Insurance Ratings, Denver or New York City

About the Role

Grade Level (for internal use): 11

The Team When you join S&P Global Ratings and the North American Financial Services Ratings group, you become part of one of the world's leading providers of independent credit risk research and benchmarks. Our team produces high-quality, criteria-based fundamental research in a fast-paced environment that combines rigorous quantitative analysis with deep market expertise. We value collaboration, intellectual curiosity, and the ability to communicate complex credit views clearly to issuers, investors, and the broader market.

Responsibilities and Impact

As a Senior Analyst, you will serve as the primary analyst for assigned property/casualty (P/C) insurance and reinsurance companies, delivering independent credit opinions that directly inform issuers, investors, and market participants. Your work will drive consequential credit assessments in the insurance sector, with direct visibility at issuer C-suite level and influence across the broader market.

Responsibilities

• Lead all aspects of the ratings process for assigned issuers — from quantitative analysis and issuer engagement to presenting in rating committees and publishing well-supported credit opinions
• Serve as an active voting member of rating committees, deliberating on rating outcomes and reviewing analytical materials prior to publication
• Publish timely credit reports and contribute to sector research, market evaluations, and industry commentaries on emerging and complex insurance topics
• Apply strong criteria knowledge and financial statement analysis skills to assess credit quality, remaining current on industry news and broader market developments
• Collaborate with team members to share analytical insights, support peers, and align day-to-day work with broader team priorities and strategic goals
• Engage professionally with issuers, investors, and other stakeholders to gather information, present findings, and address inquiries

Compensation & Benefits

S&P Global states that the anticipated base salary range for this position is $92,000 to $153,000. 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. This role is eligible to receive additional S&P Global 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.

Required Skills and Experience

• An S&P Global employee at this level would typically have 2-4 years of relevant experience in finance, accounting, business, insurance, or mathematics.
• Demonstrated experience in financial statement analysis, including GAAP and IFRS accounting standards.
• Proficiency in financial modeling and forecasting, with competency in Microsoft Excel, Word, and PowerPoint.
• Permanent work authorization for the United States is required.
• English: Fluent (able to conduct meetings, collaborate effectively, and communicate clearly in writing and verbally).

Preferred or Helpful Experience

• Experience in credit analysis and/or the insurance or reinsurance sector
• Understanding of fixed income markets and related credit dynamics
• Ability to manage multiple assignments, prioritize effectively, and meet critical deadlines in a fast-paced environment

Education

• Education: Bachelor's degree or equivalent required.
• A master's degree or professional certification (such as CFA) is highly valued.

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.

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:View email address on click.appcast.io your request will be forwarded to the appropriate person. US Candidates Only: Know Your Rights: Workplace discrimination is illegal

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.

Former Colleagues Redeployment

This is the site for former colleagues whose roles have been impacted by organizational changes to search for job opportunities with S&P Global. We are committed to providing impacted team members priority consideration for new opportunities. When applying, please create a login with your personal email address and select Redeployment in the section: “How did you hear about us?”