- Strong analytical and financial skills, including the ability to interpret financial statements and quantitative and qualitative information
- Understanding of fundamental credit-analysis concepts and a demonstrated interest in financial institutions and capital markets
- Ability to identify material credit trends and develop clear, evidence-based conclusions
- Proficiency in Microsoft Excel, Word, and PowerPoint, including the preparation of financial analyses, forecasts, charts, and presentations
- Strong written and verbal communication skills in Spanish and English, with the ability to explain complex analytical matters clearly and concisely
- Strong attention to detail and ability to manage multiple assignments and deadlines
- Intellectual curiosity, sound judgment, and a collaborative approach
- Commitment to analytical quality, independence, integrity, and confidentiality
- Experience with financial modeling, data analytics, visualization, automation, or AI-enabled productivity tools is preferred
- Progress toward a relevant professional qualification, such as CFA or FRM, is beneficial
- 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 finance, economics, accounting, business administration, or another relevant analytical discipline
- Relevant experience in credit analysis, financial analysis, banking, insurance, investments, risk management, audit, consulting, accounting, or a related field is preferred. Previous specialization in a Financial Institutions Group subsector is not required
- Perform credit analysis and ongoing monitoring of an assigned portfolio under the guidance of Lead Analysts
- Analyze financial statements, regulatory information, business models, competitive positioning, risk profiles, and relevant market developments
- Evaluate credit considerations such as asset quality, capitalization, profitability, funding, liquidity, risk management, and operating environment, as applicable
- Build and maintain financial models, analytical scorecards, forecasts, peer comparisons, charts, and presentation materials
- Identify emerging risks, credit trends, information gaps, and developments that could affect an entity's credit profile or rating
- Apply Moody's Local methodologies, analytical frameworks, and documentation standards
- Prepare rating committee materials and clearly articulate key credit strengths, risks, assumptions, and rating considerations
- Present assigned analysis and contribute constructively to rating committee discussions
- Support the documentation and completion of rating actions in accordance with applicable processes, controls, and regulatory requirements
- Draft credit opinions, press releases, rating-action announcements, issuer comments, and sector research in collaboration with Lead Analysts
- Monitor financial, regulatory, economic, and industry developments and contribute ideas for relevant credit research
- Participate in meetings with rated entities and assist in preparing analytical agendas, discussion points, and follow-up questions
- Participate, as appropriate, in investor briefings, industry events, and other analytical market-engagement activities