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. 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. 

• Minimum 3 years of experience in financial analysis, credit risk, or related fields, with strong practical application of economics and finance
• Solid accounting knowledge and strong financial statement analysis capabilities
• Excellent written and verbal communication skills, with the ability to produce clear, structured, and concise credit narratives. English communication skills are a plus
• Advanced proficiency in Excel and PowerPoint; basic knowledge of Python or other finance-related programming languages is a plus
• High attention to detail, strong organizational skills, and ability to manage multiple priorities effectively
• Collaborative mindset, professional skepticism, and strong commitment to ethical standards
• Ability to adapt to changing environments and priorities 
• 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

• Undergraduate degree in Economics, Actuarial Science, Finance, or a related field is required
• Graduate or second-level degree (Master’s, MBA, or CFA program) is a plus

• Interpret and analyze financial statements and other data sources to perform preliminary credit analysis
• Develop working knowledge of Moody’s Local methodologies and apply them consistently in credit assessments
• Prepare financial spreadsheets, charts, and models; analyze financial data; build and update forecasts; and draft analytical commentary in line with Moody’s methodologies
• Perform preliminary credit analysis to support ratings, research, analytical outreach, and presentations under the guidance of team leaders
• Collaborate closely with senior analysts to support rating actions and publications, and contribute to workflow improvements and analytical best practices
• Gather and prepare financial and qualitative information related to issuers rated by Moody’s Local
• Identify and understand key factors affecting credit ratings, escalating issues or risks as appropriate under the guidance of lead analysts
• Support credit monitoring and surveillance activities by updating analytical components, preparing surveillance data, and initiating or escalating deeper credit reviews when required
• Formulate a clear and well-supported rating rationale and present analyses at rating committees, including leading committee discussions when appropriate
• Participate in issuer and investor interactions alongside senior analysts; prepare insightful questions for management meetings and follow up on information requests
• Ensure data integrity across internal systems, document analytical judgments, and adhere to methodologies, controls, and compliance requirements

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.