Let's begin! Associate Credit Analyst
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Job Location:
Monthly Salary:
Posted on:
23-10-2025
Vacancies:
1 Vacancy
Job Summary
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.
Skills and Competencies
- At least 2 years of experience in Structured Finance or 3-4 years in credit analysis in similar fields
- Validated and well-developed analytical and modelling skills are required
- Strong written and verbal communication capabilities in Portuguese and English are required. Some Spanish skills are preferred
- Advanced Microsoft Excel Word and PowerPoint skills are required
- Python programming & Visual Basic for Applications knowledge are preferred
- 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
- Minimum bachelors degree (or equivalent) in economics business administration statistics accounting engineering or similar
Responsibilities
Conduct credit analysis and assign ratings for Brazilian Structured Finance transactions using Moodys Local methodologies.
- Analyze transaction documents to understand transaction structure and legal operational and counterparty risks
- Analyze characteristics of underlying portfolio and performance history to derive loss assumptions
- Apply default and cash flow modeling in line with Moodys Local rating methodologies
- Lead virtual and in-person meetings with originators advisors and other transaction participants as part of the rating analysis process
- Present credits efficiently and accurately in rating committees and other internal analytical meetings formulate a coherent credit rationale and present this rationale in a persuasive fashion
- Communicate rating rationales to investors and other market participants through rating reports presentations and meetings
- Assist in producing timely and relevant research that is in-depth high quality informative and focused
- Assist in rating methodology model and scorecard updates
About the team
Our team is responsible for assigning local scale ratings to Brazilian Structured Finance transactions and is instrumental in positioning Moodys Local as the preferred rating agency in the domestic market. As an Associate Credit Analyst youll join a dynamic group working on both new and existing deals across a broad range of asset classesincluding auto loan securitizations payroll-deducted loans consumer loans trade receivables credit card receivables and mortgage loans among others.
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.
Required Experience:
IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Moody's CreditView is our flagship solution for global capital markets that incorporates credit ratings, research and data from Moody's Investors Service plus research, data and content from Moody's Analytics.
