Associate - Local

At Moody's, we unite the brightest minds to turn today's risks into tomorrow's opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are—with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody's is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we're advancing AI to move from insight to action—enabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity, helping our clients navigate uncertainty with clarity, speed, and confidence.

If you are excited about this opportunity but do not meet every single requirement, please apply You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity.

Skills and Competencies

• 1-2 years of experience with credit analysis primarily, experience in the banking industry, insurance companies or asset management is a strong plus.
• Demonstrates knowledge of Word and PowerPoint; PowerBI, Microsoft Excel skills are required.
• Validated and well-developed analytical and modelling skills.
• Strong written and verbal communication capabilities.
• Demonstrated capability to achieve key objectives within established timeframes.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
• Python programming and Visual Basic for Applications knowledge is a plus.
• Banks, Financial institutions and/or Insurance companies regulatory framework knowledge is a plus.

Education

• Minimum undergraduate/ first level degree in economics, accounting, engineering, business administration, statistics, actuarial science or similar (e.g. bachelor's degree, or equivalent qualifications).

Responsibilities

• Perform preliminary credit analysis to support ratings, research, analytical outreach, and presentations, following mentorship provided by team lead. Examples of analytical work include:
• Quantitative assessment of financial documents, asset performance, and economic/market data, qualitative assessments of business strategy, financial policy, governance, and other factors, as well as analysis of
• Bond indentures and other legal documents.
• Reading legal documents and contracts to understand issuance terms, structures, covenants, and guarantees.
• Preparing financial spreadsheets and charts, analyzing data, building, and updating financial models and analytical tools, and writing analytical commentary in accordance with Moody's methodologies.
• Identifying trends in data and use analytical ability, applying judgment to form well throughout credit conclusions.
• Develop solid understanding of Moody's Local methodologies in order to apply to credit analysis.
• Demonstrate the ability to understand and identify key factors that affect credit ratings under full supervision and mentorship of lead analysts.
• Support credit monitoring/surveillance of issuers by e.g. preparing data for surveillance, periodically updating preliminary components of analysis, and initiating/bringing up deeper credit reviews when vital.
• Perform certain routine administrative and other ad hoc credit-related tasks as advised by direct supervisor.
• Work as a team with other Associates and Analysts under overall supervision of the direct manager.
• Participate in external meeting with issuers, financial advisors, & other intermediaries.
• Manage data and continuously improve role's data base.

About the team

You will provide credit analysis of the rating process on a portfolio of Financial Institutions. The role provides a chance to define a contribution to the success of Moody's Local, by providing a range of services that supplies to the credit analysis function performed by Lead Analysts. Background in financial institutions, accounting, data analytics and financial analysis is a plus. You will be encouraged to demonstrate your ability to work successfully in a team environment. Possess organizational skills, demonstrate attention to detail, and enjoy working in a collaborative team environment. The position provides an outstanding opportunity to foster skills that are valuable to any future career in the financial services industry.

Moody's is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law.

Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody's Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.