AVP-Ratings (Structured Finance)

PassFort; Greater London; On-site; GBP 90,000 - 130,000; Full time

Job summary

Moody's seeks a skilled credit analyst for our Structured Finance Group in London. You will perform credit analysis on new and existing structured finance transactions, assess collateral performance, and identify key credit risks to support rating processes.

Engage with issuers and market participants, present findings to rating committees, and contribute to AI-enabled analytical enhancements while mentoring junior team members.

Qualifications

• 5+ years of credit or structured finance experience.
• Understanding of structured finance asset classes and securitization structures.
• Strong financial analysis and cash flow assessment skills.
• Excellent written and verbal communication.

Responsibilities

• Perform credit analysis for new and existing structured finance transactions across asset classes.
• Support rating assignments by conducting detailed quantitative and qualitative analysis.

Skills

Credit analysis

Quantitative analysis

Financial statement analysis

Communication

Project management

Attention to detail

AI awareness

European languages (Dutch)

Education

Bachelor's or Master's in Finance/Economics/Mathematics/Engineering

CFA/FRM/ACA/ACCA or equivalent

Tools

Excel

SQL

PowerPoint

Job description

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.

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

• 5+ years of credit, risk assessment, capital markets, structured finance, banking, or related financial services experience
• Demonstrated understanding of structured finance asset classes, securitization structures, and key market participants, including issuers, arrangers, investors, and servicers
• Strong analytical and quantitative skills, including financial analysis, cash flow assessment, and the ability to evaluate complex transaction structures
• Excellent written and verbal communication skills, with the ability to present analyses and recommendations clearly to internal and external stakeholders
• Highly organized and efficient, with the ability to manage multiple transactions and priorities within tight deadlines
• Strong attention to detail and commitment to producing high-quality analytical work
• Knowledge of addtional European languages, especially Dutch, is higly desirable
• Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can enhance analytical processes, improve productivity, and drive operational efficiency

Education

• Bachelor's or Master's degree in Finance, Economics, Accounting, Mathematics, Engineering, or a related quantitative discipline
• CFA, FRM, ACA, ACCA, or other relevant professional qualification would be beneficial

Responsibilities

Perform credit analysis for new and existing structured finance transactions across relevant asset classes, including the assessment of transaction structures, collateral performance, and key credit risks.

• Support the assignment and ongoing surveillance of credit ratings by conducting detailed quantitative and qualitative analysis and preparing rating committee materials
• Monitor transaction performance and identify developments that may impact credit quality, ratings, or sector outlooks
• Engage with issuers, arrangers, servicers, investors and other market participants to gather information and enhance analytical understanding of transactions and sectors
• Contribute to and lead rating committee discussions by presenting analytical findings and recommendations supported by robust credit analysis
• Collaborate with analysts, associates, and senior team members across Moody's Ratings to ensure consistency, quality, and efficiency in analytical processes
• Author credit opinions, research content, sector commentary, and other analytical publications that support market transparency and investor understanding
• Contribute to methodology enhancements, technology initiatives, and process improvement projects, including the responsible adoption of AI-enabled tools
• Support the development and mentoring of junior team members by sharing technical knowledge and best practices

About The Team

Our Structured Finance Group team delivers independent credit ratings and research across a broad range of securitization and structured finance markets. We are committed to providing transparent, high-quality credit opinions that support investor confidence and informed market decisions. By joining our team, you will work on complex and evolving financing structures, collaborate with experienced professionals across Moody's Ratings, and contribute to the adoption of innovative technologies, including AI-enabled solutions, that enhance analytical capabilities and operational efficiency.

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.