Associate - 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. 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 relevant experience preferred (including internship)
• Solid analytical skills, attention to detail, with the ability to interpret financial statements and market data
• Background in corporate finance, accounting and financial analysis
• Strong proficiency in Power BI for data analysis, reporting and presentations
• Excellent written and verbal communication skills in English to present analytical findings clearly
• Effective interpersonal skills, collaborative team player and a proactive mindset
• Ability to adapt to a changing environment and prioritize tasks accordingly
• Curiosity to learn Moody’s methodologies and credit rating processes.

Education

• Undergraduate degree in economics, finance, accounting, business administration, or a related field required (e.g. bachelor’s degree, or equivalent qualifications)

Responsibilities
You will support the credit analysis rating process by conducting preliminary analysis across a portfolio of financial institutions, insurance companies and securities firms under the guidance of senior analysts

• Perform preliminary credit analysis to support ratings, research, analytical outreach, and presentations
• Analyze financial statements, asset performance, and economic data to support quantitative assessments, and execute qualitative assessments of business strategy, financial policy, governance, and other factors, as well as analysis of bond indentures and other legal documents
• Build, maintain, and update financial models, analytical tools, and supporting spreadsheets and prepare charts, reports, and written analytical commentary aligned with Moody’s methodologies
• 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
• Support credit monitoring/surveillance of issuers by e.g. preparing data for surveillance, periodically updating preliminary components of analysis, and escalating potential risks
• Assist with routine administrative and ad hoc analytical tasks as assigned by supervisors and collaborate effectively with analysts and associates in a team-oriented environment
• Participate in external meeting with issuers, financial advisors, & other market participants as needed.

About the team

This role is part of Moody’s Local, offering the opportunity to contribute to high-quality credit analysis supporting financial institutions, insurance companies, and securities firms. You will work closely with experienced lead analysts, gaining exposure to multiple asset classes, methodologies, and rating processes. The team fosters a collaborative and supportive environment focused on professional growth, cross-training, and continuous learning within the financial services industry.

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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 Securities Trading Policy on Moody’s Compliance Expo page

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.