Let's begin! Associate Credit Analyst Moody's Local

At Moodys we unite the brightest minds to turn todays risks into tomorrows opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they arewith the freedom to exchange ideas think innovatively and listen to each other and customers in meaningful ways. Moodys is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment were advancing AI to move from insight to actionenabling 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 (Masters 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 Moodys 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 Moodys 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 Moodys 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

Moodys 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 Moodys Corporation may be asked to disclose securities holdings pursuant to Moodys 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.