Ratings Associate – Credit Estimates

acing role, reporting into the RRS Team Manager (RRSTM).

Key Responsibilities

• Complete Credit Estimates used to assess elements of credit risk in certain rated transactions.

• Performs day-to-day credit analysis. Examples of analytical work produced include:

  • Reviewing financial spreadsheets and charts prepared by others, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody’s methodologies.
  • 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.

• Develops strong working knowledge of Moody’s methodologies and credit rating best practices, applying these with guidance from Lead Analysts.

• Demonstrates the ability to understand and identify key factors that affect issuer credit ratings.

• Interprets and analyzes financial data and other credit inputs provided by others https://e.g. FDAs and RRS Associates.

• Demonstrates sound understanding and judgment in applying Moody’s processes, documentation standards and best practices, adhering to all laws and policies.

• Provides clear, concise and constructive guidance in the delegation of work to Associates (if applicable), actively managing workload pipeline in order to provide sufficient time for completion. Seeks RRSTM guidance where needed to determine how to allocate work.

Provides feedback to RRSTM on the quality and accuracy of work produced by Associates, along with providing constructive and proactive feedback to Associates and FDAs.

• Minimum graduate/second level degree (Masters, MBA or equivalent qualifications).
• Some relevant experience
• Accounting background with strong focus in financial analysis (https://e.g., through coursework, CFA, ACA or ACCA, or relevant work experience).
• Demonstrates good understanding of Banking financial statements and accounting.
• Working knowledge of MS Excel, Word and PowerPoint.
• Solid verbal, written communication and interpersonal skills.
• Ability to work effectively in a collaborative team environment.
• Strong organizational skills and attention to detail.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
• Fluency in English is essential

The EMEA Financial Institutions team provides ratings on investment grade and speculative grade financial institutions based in Europe. The Ratings & Research Support department is responsible for producing analytical inputs in support of Moody’s Ratings and Research (R&R) function.
In addition, this department will provide support for surveillance requirements and partner with R&R to provide the necessary support for issuer and investor interactions.

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.

Moody’s is a developmental culture where we value candidates who are willing to grow. So, if you are excited about this opportunity but don’t meet every single requirement, please apply! You may be a perfect fit for this role or other open roles.

Moody's is a global integrated risk assessment firm that empowers organizations to make better decisions.

At Moody’s, we’re taking action. We’re hiring diverse talent and providing underrepresented groups with equitable opportunities in their careers. We’re educating, empowering and elevating our people, and creating a workplace where each person can be their true selves, reach their full potential and thrive on every level. Learn more about our DE&I initiatives, employee development programs and view our annual DE&I Report at https://moodys.com/diversity