Associate Credit Analyst

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

• Proficient in advanced modeling techniques and complex cash flow analysis.
• Proven credit experience in relevant sectors would be a plus, such as banking, corporate finance, or investment.
• Strong foundation in economics and finance, with practical application to credit risk assessment.
• Solid communication and interpersonal skills in Spanish, both verbal and written.
• Ability to adapt to a changing environment and prioritize tasks accordingly.

Education

• Undergraduate degree required with minimum 2 years relevant work experience.
• Graduate/second level degree (Masters, MBA) preferred.
• Progress towards completion of CFA program would be a plus.

Responsibilities

• Conduct in-depth analysis and research on a portfolio of complex and high-profile credit exposures, under the guidance of lead analysts.
• Take ownership of monitoring and surveillance activities for assigned portfolios, with a focus on structured finance, sub-sovereigns, and related sectors.
• Contribute to research initiatives exploring credit trends and developments in domestic markets.
• Preparing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial models and forecasts, and writing analytical commentary in accordance with Moody’s methodologies.
• Identify data trends and apply sound judgment and analytical skills to support credit conclusions.
• Utilize quantitative and statistical models to enhance credit analysis.
• Integrate fundamental analysis with qualitative data review to provide a comprehensive credit assessment.
• Conduct qualitative reviews of debt indentures and related documentation.
• Develop a working knowledge of Moody’s Local methodologies and apply them effectively in credit analysis.
• Interpret financial and macroeconomic data to perform preliminary credit assessments.
• Demonstrate the ability to understand and identify key factors that affect credit ratings under the guidance of lead analysts.

About the team

Join a dynamic and collaborative team at Moody’s as an Associate Credit Analyst/ML, where you’ll play a key role in supporting Moody’s Local operations in Argentina and Uruguay. This position centers on analyzing market data and preparing analytical materials, with a strong emphasis on financial analysis across public finance, structured finance transactions, and other related topics in domestic markets. 

As part of the team, you’ll work closely with lead analysts, gaining hands-on experience and developing valuable skills in the financial services industry. This role offers a unique opportunity to apply your analytical expertise, contribute to impactful credit assessments, and grow professionally within a supportive and inclusive environment.

Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, place of origin, disability, marital or familial status, sexual orientation, gender expression, gender identity or any other characteristic protected by law. We encourage applications from Aboriginal persons, members of a visible minority group, persons with a disability, members of the LGBTQ+ community, and women.

Moody’s is committed to maintaining an inclusive, diverse and accessible workplace. To this end, reasonable accommodations are available on request, and will take into account the particular accommodation needs of individual candidates. If you are selected and require accommodation during any stage of the recruitment process, you may send your request to AODA@moodys.com. Information provided during the accommodation process will be treated as confidential, and will be shared only to the extent required to properly evaluate accommodation requests.

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.