AVP-Ratings (Structured Finance)

Moody's Investors Service; Greater London; On-site; GBP 70,000 - 110,000; Full time

Job summary

Moody's Investors Service in London is seeking an experienced credit analyst to perform rigorous analysis for new and existing structured finance transactions across asset classes. You will assess transaction structures, collateral performance, and key credit risks to support rating opinions and formal committee materials.

You will engage with issuers, arrangers, servicers, investors and other market participants to gather information, present findings, and contribute to methodology

Qualifications

• 5+ years in credit, risk assessment, capital markets, securitization, or related financial services
• Understanding of structured finance asset classes and market participants
• Strong analytical and quantitative skills for cash flow assessment
• Excellent written and verbal communication for stakeholder presentations
• Highly organized with ability to handle multiple transactions
• Attention to detail and quality in analytical work
• Knowledge of European languages (Dutch desirable)
• Basic understanding of AI concepts to enhance analytics

Responsibilities

• Perform credit analysis for new and existing structured finance transactions across asset classes
• Support assignment and surveillance of credit ratings with detailed analyses
• Monitor transaction performance and identify developments affecting credit quality
• Engage with issuers, arrangers, servicers, investors to gather information
• Contribute to rating committee discussions with analytical findings
• Collaborate with Moody's Ratings team for consistency and efficiency
• Author credit opinions and research content to support market transparency
• Contribute to methodology and AI-enabled tool adoption and process improvements
• Mentor junior team members by sharing knowledge and best practices

Skills

Credit risk analysis

Structured finance

Financial analysis

Quantitative skills

Communication skills

Time management

Attention to detail

AI concepts familiarity

Education

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

CFA/FRM/ACA/ACCA beneficial

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.

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.