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 professional experience preferred
• Solid analytical skills with the ability to interpret financial statements, asset performance trends, and market data
• Strong understanding of fundamental credit analysis concepts and financial risk assessment with ability to review and interpret legal documentation such as bond indentures, covenants, and contracts
• Proficiency in Excel, Word, and PowerPoint for data analysis, reporting, and presentations
• Strong written and verbal communication skills in English with the ability to present analytical findings clearly
• Attention to detail and strong organizational skills with the ability to manage multiple priorities, collaborative team player with effective interpersonal skills and a proactive mindset, AI familiarity.
• Curiosity and willingness to learn Moody’s methodologies and credit rating processes
• Knowledge of Python or VBA and previous experience with financial institutions is a strong plus

Education

• Undergraduate degree in economics, accounting, finance, business administration, statistics, actuarial science, engineering, or a related field required

Responsibilities

The Associate will support the credit rating process by conducting preliminary analysis across a portfolio of financial institutions, insurance companies, and asset managers under the guidance of senior analysts.

• Perform preliminary credit analysis to support ratings, research, presentations, and analytical outreach activities
• Analyze financial statements, asset performance, and economic data to support quantitative and qualitative assessments
• Evaluate business strategies, financial policies, governance practices, and other key credit factors
• Review legal documentation such as bond indentures, contracts, and covenants to understand issuance structures and obligations
• Build, maintain, and update financial models, analytical tools, and supporting spreadsheets
• Prepare charts, reports, and written analytical commentary aligned with Moody’s methodologies
• Identify trends and develop data-driven credit insights using sound analytical judgment
• Support ongoing credit monitoring by updating analysis, preparing surveillance data, 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 meetings with issuers, advisors, and 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 asset managers. 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.

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.