Ratings Associate

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 
 Has 1-2 years relevant working experience Good understanding about the banking sector and credit market Fluent in English. Knowledge of other Asian languages will be a bonus Solid verbal, written communication and interpersonal skills Enjoys engaging in team work with a positive and constructive attitude Strong organizational skills and attention to detail 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 Education 
 Undergraduate degree required at a minimum. Postgraduate (Masters, MBA) and other professional certifications (CPA, CFA) will be a bonus Responsibilities 
 Portfolio Management Performs day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work produced include: o    Reviewing financial statements and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody’s methodologies o    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 o    Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules o    Prepares first draft of rating committee memos, in collaboration with Lead Analysts o    Attends and participates in rating committee meetings, including offering analysis and opinion where appropriate Develops strong working knowledge of Moody’s methodologies and credit rating best practices, applying these with moderate guidance Develops the ability to understand and identify key factors that affect issuer credit ratings.Engages with issuers directly for follow-up clarification and information May complete Credit Estimates used to assess elements of credit risk in certain rated transactions Research & Investor Outreach Contributes to the first draft of core research e.g. credit opinions, issuer and sector comments, press releases, pre sale and new issue reports etc. in collaboration with Lead Analysts Contributes to research strategy, including idea generation and preliminary drafting, adhering to Moody's research standards Attends investor briefings and issuer meetings as required; helps prepare presentation materials; arrives prepared to engage in discussions Builds positive relationships with issuers – displays initiative to understand the issuer’s business and proactively responds to issuer enquiries Credit Administration Operates internal systems and software specific to the rating group