Associate/ML

y level. Learn more about our DE&I initiatives, employee development programs and view our annual DE&I Report at moodys.com/diversity

Your role

Provide credit analysis in the form of discrete pieces of analytical work. The Associate will work on more sophisticated and higher profile analysis and will form a comprehensive view on certain credits in preparation for Associate Analyst role.

The Associate role provides a chance to create a significant contribution to the success of Lead Analyst teams in Moody's, by providing a range of analytical support services that supplies to the overall credit analysis function performed by these teams.

This role will focus primarily on the FIG Banking sector, and there is potential for cross-training in supporting varying asset classes and methodologies, in other sectors, as part of career progression.

The ideal candidate will possess strong organizational skills, demonstrate attention to detail, and enjoy working in a collaborative team environment.

The Associate position provides an outstanding opportunity to foster skills that are valuable to any future career in the financial services industry. This will be an internally facing role supporting lead analysts.

Key Responsibilities

• Perform preliminary credit analysis to support ratings, research, analytical outreach, and presentations, following mentorship provided by team lead. Examples of analytical work include:

• Preparing financial spreadsheets and charts, analyzing data and financial documents, building, and updating financial models and forecasts, and writing analytical commentary in accordance with Moody's methodologies.

• Identifying trends in data and use analytical ability, applying judgment to form well thought out credit conclusions.

• Develop proven understanding of Moody's Local methodologies in order to apply to credit analysis.

• Interpret and analyze financial to perform the preliminary credit analysis.

• Demonstrate the ability to understand and identify key factors that affect issue and issuer credit ratings under full supervision and guidance lead analyst.

• Support credit monitoring/surveillance of issuers by e.g., preparing data for surveillance, periodically updating preliminary components of analysis, and initiating/raising 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, associate analysts, and lead analysts in Moody's Local under overall supervision of the direct manager.

What you bring

• Minimum undergraduate/ first level degree (e.g., bachelor's degree, or equivalent qualifications).

• Preferably some relevant experience on FIG Banking.

• Good Finance and accounting background (e.g., through coursework, CFA (or equivalent).

• Knowledge of MS Excel, Word, and PowerPoint.

• Python programming, Power BI & Visual Basic for Applications knowledge is a plus.

• Proven verbal, written communication, and interpersonal skills in Spanish and in English.

• Ability to adapt to a changing environment and prioritize tasks accordingly.

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.

For more information on the Securities Trading Program, please refer to the STP Quick Reference guide on ComplianceNet

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee's tenure with Moody's.