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.
- 1 year of accounting, credit modelling/financial modelling experience, including through internships, is preferred
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Good understanding about banking sector and credit market (e.g. coursework, CFA or equivalent, or relevant work experience)
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Exceptional verbal, written communication, and interpersonal abilities
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Proficiency in MS Excel, Word, and PowerPoint with strong organizational skills and attention to detail
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Demonstrated proactivity and effectiveness in a collaborative team setting
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Ability to adapt to dynamic environments and prioritize tasks effectively, with analytical thinking
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Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be used to improve processes and drive efficiency. Interest in exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use.
- Minimum undergraduate/first-level degree (e.g. Bachelor’s Degree, or equivalent qualifications) with strong academic performance
Portfolio Management & Credit Quality
Working with lead analysts by performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work may include:
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Reviewing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody’s methodologies.
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Assisting with proprietary models and new financial projections as applicable, identifying trends in data, and applying analytical skills and judgment to form well-reasoned credit conclusions.
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Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules.
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Performing analytical tasks related to portfolio reviews and other credit projects.
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Developing a working knowledge of Moody’s methodologies and credit rating best practices, and applying these with guidance from lead analysts.
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Collaborating with lead analysts in preparing the first draft of rating committee memos.
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Developing the ability to understand and identify key factors that affect issuer credit ratings. Interpreting and analyzing financial data and other credit inputs provided by internal and external parties.
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Monitoring credit quality and issuer and/or industry trends by following market developments and relevant news events, analyzing issuer reporting (including, in some rating groups monitoring and attending earnings calls), and engaging with issuers directly for follow-up clarification and information.
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Attending and participating in rating committee meetings, including to offer analysis and opinion where appropriate. Preparing credit estimates analysis used to assess elements of credit risk in certain rated transactions.
Research, Investor Outreach & Market Interaction
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Contributing to the first draft of core research (such as credit opinions, issuer and sector comments, press releases, pre-sale, and new issue reports) in collaboration with lead analysts.
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Contributing to research strategy, including idea generation and preliminary drafting, and adhering to Moody’s research standards.
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Attending investor briefings and issuer meetings as required; helping prepare presentation materials in some cases; arriving prepared to engage in discussions.
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Building positive relationships with issuers displaying initiative to understand the issuer’s business and proactively responding to issuer inquiries.
Credit Administration
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Operating applicable ratings and research systems and utilizing software specific to the rating group.
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Demonstrating sound understanding and judgment in applying Moody’s processes, documentation standards, and best practices, and adhering to all laws and policies.
Coaching & Guidance
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Providing guidance in the delegation of work to the data processing team.
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Actively managing workload pipeline to provide sufficient time for completion. Seeking guidance from the manager where needed to determine how to prioritize work.
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Providing feedback to the manager on the quality and accuracy of work produced by the data processing team, while providing constructive and proactive feedback.
Risk Identification and Escalation
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Ensure compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Complete mandatory required training in a timely manner.
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Awareness of Moody’s risk management approach.
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Increase awareness of cyber risks and avoidance of vulnerabilities e.g., e-mail use (phishing malware).
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Ensure high quality of work free errors.
The Ratings & Research Support (RRS) team at Moody’s plays a critical role in ensuring the smooth operation of the ratings and research process while supporting multiple analytical departments. Ratings Associates work closely with Credit Rating Analysts to ensure that tasks related to credit ratings, research, and market outreach are completed efficiently and effectively. The team is essential to maintaining the overall productivity, accuracy, and organization of the ratings process, supporting the broader analytical organization by ensuring all analytical needs are met in a timely and reliable manner.
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.
