Associate Credit Analyst Moody's 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. 

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

• 2+ years of experience in Structured Finance or 3-4 years in credit analysis in similar fields.
• Proficiency in Microsoft Excel, Word, and PowerPoint skills are a must.
• Validated and well-developed analytical and modelling skills.
• Excellent written and verbal communication in Portuguese and English; Spanish skills are a plus.
• Knowledge of Python programming and Visual Basic for Applications is a plus.

Education

• Minimum bachelor’s degree in economics, business administration, statistics, accounting, or engineering.

Responsibilities

• Analyze new structured finance transactions to assign ratings, and review ratings of existing transactions.
• Analyze transaction documents to understand transaction structure and legal, operational, and counterparty risks.
• Analyze characteristics of underlying portfolio and performance history to derive loss assumptions.
• Apply default and cash flow modeling in line with Moody’s Local rating methodologies.
• Lead virtual and in-person meetings with originators, advisors, and other transaction participants as part of the rating analysis process.
• Present credits efficiently and accurately in rating committees and other internal analytical meetings, formulate a coherent credit rationale and present this rationale in a persuasive fashion.
• Communicate rating rationales to investors and other market participants through rating reports, presentations, and meetings.
• Assist in producing timely and relevant research on specific issuers or sector related issues that is in-depth, high quality, informative and focused.
• Assist in rating methodology, model and scorecard updates.
• Build and manage relationships with investors, advisors, and issuers.

About the Team
Join a dynamic team of credit analysts at Moody's focused on structured finance. As a Credit Analyst in Structured Finance, you will play a crucial role in analyzing and assigning ratings to complex transactions. Collaborate with a diverse group of professionals, lead discussions with stakeholders, and contribute to impactful research and analysis. This role is for an Associate Credit Analyst who will be leading a portfolio of structured finance transactions and will work on the credit analysis of new and existing deals rated by Moody's Local. The role will cover different asset classes like personal lending, subject matter expert financing, and trade receivables, among others

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.