Ratings Associate - Structured Finance Group
Join to apply for the Ratings Associate - Structured Finance Group role at Moody's Corporation
Ratings Associate - Structured Finance Group
Join to apply for the Ratings Associate - Structured Finance Group role at Moody's Corporation
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.
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 1 year of experience (including internships) is preferred.
* Understanding of fixed income markets and/or credit knowledge is preferred.
* Finance, economics, business, mathematics, actuarial studies, or statistics background is preferred.
* Excellent verbal, written communication, and interpersonal skills.
* Proficiency in MS Excel, Word, and PowerPoint.
* Ability to work proactively and effectively in a collaborative team environment.
Responsibilities
Portfolio Management & Credit Quality
Working with lead analysts by performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work may include:
* Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules.
* Developing a working knowledge of Moody’s methodologies and credit rating best practices, and applying these with guidance from lead analysts.
* Developing the ability to understand and identify key factors that affect credit ratings. Interpreting and analyzing financial data and other credit inputs provided by internal and external parties.
* Assisting with proprietary models as applicable, identifying trends in data, and applying analytical skills and judgment to form well-reasoned credit conclusions.
* Collaborating with lead analysts in preparing the first draft of rating committee memos.
* Attending and participating in rating committee meetings, including to offer analysis and opinion where appropriate.
* Monitoring credit quality and issuer and/or industry trends by following market developments and relevant news events, and engaging with issuers directly for follow-up clarification and information.
* Performing analytical tasks related to portfolio reviews and other credit projects.
Research, Investor Outreach & Market Interaction
* Contributing to the first draft of core research (such as pre-sale and new issue reports, and issuer and sector comments) in collaboration with lead analysts.
* Contributing to research strategy, including idea generation and preliminary drafting, and adhering to Moody’s research standards.
* Attending investor briefings and issuer meetings as required; helping prepare presentation materials in some cases; arriving prepared to engage in discussions.
* Building positive relationships with issuers displaying initiative to understand the issuer’s business and proactively responding to issuer inquiries.
Credit Administration
* Operating applicable ratings and research systems and utilizing software specific to the rating group.
* Demonstrating sound understanding and judgment in applying Moody’s processes, documentation standards, and best practices, and adhering to all laws and policies.
Coaching & Guidance
* Providing guidance in the delegation of work to the data processing team.
* Actively managing workload pipeline to provide sufficient time for completion. Seeking guidance from the manager where needed to determine how to prioritize work.
* Providing feedback to the manager on the quality and accuracy of work produced by the data processing team, while providing constructive and proactive feedback.
Risk Identification and Escalation
* Ensure compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Complete mandatory required training in a timely manner.
* Awareness of Moody’s risk management approach.
* Increase awareness of cyber risks and avoidance of vulnerabilities e.g., e-mail use (phishing malware).
* Ensure high quality work free of errors.
The Role
The Ratings Associate will work with lead analysts in assigning and monitoring credit ratings; researching, drafting, and publishing research; and other activities. The Ratings Associate will perform an evaluation of credit risk by integrating credit risk inputs prepared by internal and external parties. The Ratings Associate are expected to participate in rating committee discussions and interact with issuers and other market participants, in collaboration with lead analysts.
The Ratings Associate role is integral to Moody’s focus on ratings accuracy, research, and market outreach. The Rating Associate role will typically focus primarily on one rating group, with the potential for cross-training in and/or work for other rating groups.
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.
Seniority level
* Seniority level
Entry level
Employment type
* Employment type
Full-time
Job function
* Job function
Finance and Sales
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