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 

• Relevant experience in financial analysis, gained through coursework, internships, academic projects, or early professional experience.
• Solid working knowledge of Microsoft Excel, Word, and PowerPoint
• Programming skills are a plus (e.g., Python), with interest in learning how scripting can support analysis and process efficiency
• Intermediate familiarity with Power BI and data extraction tools, including an understanding of data visualization concepts and reporting fundamentals
• Strong written and verbal communication skills in Spanish and English, with the ability to explain information clearly and collaborate effectively
• Willingness and ability to adapt in a dynamic environment, manage multiple tasks, and learn new skills quickly
• 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 undergraduate/ first level degree (e.g. Bachelor’s Degree, or equivalent qualifications).
• Good Accounting background (e.g., through coursework, or relevant work experience).

Responsibilities 

The associate role is the entry-level career position at Moody's Local responsible for providing analytical support to the lead analyst team. Also, there is potential for cross-training in supporting varying asset classes and methodologies, in other sectors, as part of career progression. 

• Perform preliminary credit analysis to support ratings, research, analytical outreach and presentations, following guidance provided by lead analyst. Examples of analytical work include:

• • Preparing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial models and forecasts, and writing analytical commentary in accordance with Moody’s methodologies.
  • Identifying trends in data and use analytical ability, applying judgment to form well thought out credit conclusions.

• Develop working knowledge of Moody’s Local methodologies in order to apply to credit analysis.
• Interpret and analyse financial to perform the preliminary credit analysis.
• Demonstrate the ability to understand and identify key factors that affect issue and issuer credit ratings under full supervision and guidance lead analyst.
• Support credit monitoring/surveillance of issuers by e.g. preparing data for surveillance, periodically updating preliminary components of analysis, and initiating/escalating deeper credit reviews when necessary.
• Perform certain routine administrative and other ad hoc credit-related tasks as directed by direct supervisor.
• Work as a team with other associates, and lead analysts in Moody’s local under overall supervision of the pod lead and ratings manager.

About the Team

Our Moody’s Local Analytical team is responsible for delivering high‑quality credit analysis and insights across multiple lines of business, supporting informed decision‑making, strengthening market transparency, and enabling consistent application of analytical methodologies. By joining our team, you will be part of exciting work across diverse sectors and geographies, while leveraging data, advanced analytics, and AI‑enabled tools that enhance research efficiency, analytical rigor, and the evolution of our credit processes.

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.