What are the responsibilities and job description for the Ratings Associate position at Moody's?
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.
Long Description
Moody’s External Website Posting Website:
Employer: Moody’s Investors Service, Inc.
Title: Ratings Associate
Location: 7 World Trade Center, 250 Greenwich Street, New York, NY 10007
Duties: Perform day-to-day credit analysis, including ratings with increasing complexity, research, presentations, and investor outreach. Review financial spreadsheets and charts, including analyzing data and financial documents, building and updating financial forecasts, and writing analytical commentary in accordance with internal methodologies. Use proprietary models and new financial projections as applicable, identifying trends in data and applying analytical skills and judgment to form well-reasoned credit conclusions. Apply knowledge of credit fundamentals through review of transaction documentation, cash flow analysis, or loss allocation rules. Monitor portfolio with growing independence. Develop and apply knowledge of internal methodologies and credit rating standard processes with moderate guidance from lead analysts. Prepare first draft of rating committee memos, in collaboration with lead analysts. Demonstrate ability to understand and identify key factors that affect issuer credit ratings. Advance matters for discussion with lead analyst where appropriate and provide credit-specific nuance. Interpret and analyze financial data and other credit inputs provided by internal and external parties. Monitor credit quality and issuer and/or industry trends by following market developments and relevant news events. Analyze issuer reporting, including, in some rating groups, monitoring and attending earnings calls. Engage with issuers directly for follow-up clarification and information. Attend and participate in rating committee meetings, including offering analysis and opinion where appropriate. Prepare credit estimates used to assess elements of credit risk in certain rated transactions.
Requirements: Must have a Bachelor’s degree or foreign equivalent in Finance, Business Administration, or a related quantitative field plus one (1) year of experience as a Financial Analyst, Data Analyst, or in a related position performing credit and ratings analysis in various rating groups/asset classes. Must have experience with the following: applying knowledge of rating process and services, analyst workflow, compliance policies and procedures, and rating business regulatory requirements; reviewing quantitative and qualitative assessments of financial statements and economic/market data; reviewing research produced on specific issuers, general credit trends, or sector related issues; providing analytical oversight, including documenting and implementing workflow processes and conducting quality checks; performing project management; and conducting quantitative financial modeling and statistical analysis.
For US-based roles only: the anticipated hiring base salary range for this position is $84,677 to $119,450/yr, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody’s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.
To apply, please submit resume through careers.moodys.com or via e-mail at hrbox28@moodys.com. Please refer to Job Ref. 11362
For US-based roles only: the anticipated hiring base salary range for this position is $84,677 to $119,450, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody’s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.
Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody’s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email accommodations@moodys.com. This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications
For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.
This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act.
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.
Salary : $84,677 - $119,450
