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.

Skills And Competencies

Has 1-2 years relevant working experience
Good understanding about the banking sector and credit market
Fluent in English. Knowledge of other Asian languages will be a bonus
Solid verbal, written communication and interpersonal skills
Enjoys engaging in team work with a positive and constructive attitude
Strong organizational skills and attention to detail
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

Undergraduate degree required at a minimum. Postgraduate (Masters, MBA) and other professional certifications (CPA, CFA) will be a bonus

Responsibilities

Portfolio Management

Performs day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work produced include:
Reviewing financial statements and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody's methodologies
Assisting with proprietary models and new financial projections as applicable, identifying trends in data, and applying analytical skills and judgment to form well-reasoned credit conclusions
Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules
Prepares first draft of rating committee memos, in collaboration with Lead Analysts
Attends and participates in rating committee meetings, including offering analysis and opinion where appropriate
Develops strong working knowledge of Moody's methodologies and credit rating best practices, applying these with moderate guidance
Develops the ability to understand and identify key factors that affect issuer credit ratings.Engages with issuers directly for follow-up clarification and information
May complete Credit Estimates used to assess elements of credit risk in certain rated transactions

Research & Investor Outreach

Contributes to the first draft of core research e.g. credit opinions, issuer and sector comments, press releases, pre sale and new issue reports etc. in collaboration with Lead Analysts
Contributes to research strategy, including idea generation and preliminary drafting, adhering to Moody's research standards
Attends investor briefings and issuer meetings as required; helps prepare presentation materials; arrives prepared to engage in discussions
Builds positive relationships with issuers – displays initiative to understand the issuer's business and proactively responds to issuer enquiries

Credit Administration

Operates internal systems and software specific to the rating group
Constructs and takes ownership of analytical databases as applicable. Identifies all issues with data for follow up with Lead Analysts
Demonstrates thorough understanding and judgment in applying Moody's processes, documentation standards and best practices, adhering to all laws and policies
Ensures compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Completes mandatory required training in a timely manner

Coaching & Guidance

Provides clear, concise and constructive guidance in the delegation of work to support teams
Actively managing workload pipeline in order to provide sufficient time for completion. Seeks Ratings Associate Team Manager (RATM) guidance where needed to determine how to allocate work

About The Role

The Ratings Associate (RA) will work with Lead Analysts in conducting comprehensive analysis on an assigned portfolio of credit ratings. The RA will perform holistic evaluations of credit risk by integrating credit inputs prepared by internal and external parties. In conducting credit analysis for their assigned portfolios, transactions or credit reviews, RAs will actively participate in rating committee discussions and interact with issuers and other market participants, in collaboration with Lead Analysts.

The RA role is integral to Moody's focus on ratings accuracy, research and market outreach. The RA role will focus primarily on banks and non-bank financial institutions in South and Southeast Asia, with the potential for cross-training in 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.

Ratings Associate - Financial Institutions Group