Experience Level: Early Career
Categories: Students & Early Careers
Location(s): Calle Principe de Vergara, 131, 6 Planta, Madrid, 28006, ES
Line Of Business: RRS (RRS)
Entity: Moody's Investors Service (MIS)
At Moody's, we unite the brightest minds to turn today's risks into tomorrow's opportunities. We strive 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 may still 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.
DescriptionThe Rating Associate will work with lead analysts in assigning and monitoring credit ratings; researching, drafting, and publishing research; and other activities. The Rating Associate will perform an evaluation of credit risk by integrating inputs prepared by internal and external parties. In conducting credit analysis for assigned credits, transactions, or credit reviews, the Rating Associate is expected to participate in rating committee discussions and interact with issuers and other market participants, in collaboration with lead analysts. This 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.
ResponsibilitiesPortfolio 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:Reviewing financial spreadsheets 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, 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.Performing analytical tasks related to portfolio reviews and other credit projects.Developing a working knowledge of Moody's methodologies and credit rating best practices, and applying these with guidance from lead analysts.Collaborating with lead analysts in preparing the first draft of rating committee memos.Developing the ability to understand and identify key factors that affect issuer credit ratings, interpreting and analyzing financial data and other credit inputs provided by internal and external parties.
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