Ratings Associate

Moody's; Ciudad de México; On-site; MXN 700,000 - 900,000; Full time

Job summary

Moody's Local Mexico is seeking a Ratings Associate to support credit analysis and ongoing monitoring of a diversified financial institutions portfolio. You will work with Lead Analysts to analyze financial statements, regulatory data, business models, and market trends, building models and scorecards to inform ratings decisions.

You will apply Moody's methodologies, prepare materials for rating discussions, and help draft opinions and sector research while staying alert to emerging risks and

Qualifications

• Strong analytical and financial skills; interpret financial statements and information
• Understanding of fundamental credit-analysis concepts; interest in financial institutions and capital markets
• Identify material credit trends and develop clear, evidence-based conclusions
• Proficiency in Excel, Word, and PowerPoint; create financial analyses, forecasts, charts, presentations
• Strong written and verbal communication in Spanish and English; explain complex analytical matters clearly
• Attention to detail; manage multiple assignments and deadlines
• Collaborative approach; integrity and confidentiality in analyses
• Experience with financial modeling, data analytics, visualization, automation, or AI-enabled tools preferred
• Progress toward CFA or FRM beneficial
• Basic understanding of AI concepts; curiosity for learning AI applications and responsible practices

Responsibilities

• Perform credit analysis and ongoing monitoring of an assigned portfolio under the guidance of Lead Analysts
• Analyze financial statements, regulatory information, business models, and market developments
• Evaluate credit considerations such as asset quality, capitalization, profitability, funding, liquidity, risk management, and operating environment
• Build and maintain financial models, analytical scorecards, forecasts, peer comparisons, charts, and presentation materials
• Identify emerging risks, credit trends, information gaps, and developments affecting credit profile or rating
• Apply Moody's Local methodologies and documentation standards
• Prepare rating committee materials and articulate key credit strengths, risks, and assumptions
• Present analysis and contribute to rating committee discussions
• Support documentation and completion of rating actions per processes and controls
• Draft credit opinions, press releases, and sector research in collaboration with Lead Analysts
• Monitor developments and contribute ideas for credit research
• Participate in meetings with rated entities and in investor market-engagement activities

Skills

Analytical skills

Credit analysis concepts

Identify credit trends

Bilingual Spanish/English

Attention to detail

Curiosity and judgment

Collaboration

AI-enabled tools familiarity

Financial modeling

Data analytics

Visualization

Automation

AI concepts basics

CFA/FRM progress

Education

Undergraduate degree in finance, economics, accounting, business administration

Relevant experience in credit analysis, financial analysis, banking, insurance, investments, risk management, audit, consulting, accounting

Tools

Excel

Word

PowerPoint

Job description

Skills and Competencies

• Strong analytical and financial skills, including the ability to interpret financial statements and quantitative and qualitative information
• Understanding of fundamental credit-analysis concepts and a demonstrated interest in financial institutions and capital markets
• Ability to identify material credit trends and develop clear, evidence-based conclusions
• Proficiency in Microsoft Excel, Word, and PowerPoint, including the preparation of financial analyses, forecasts, charts, and presentations
• Strong written and verbal communication skills in Spanish and English, with the ability to explain complex analytical matters clearly and concisely
• Strong attention to detail and ability to manage multiple assignments and deadlines
• Intellectual curiosity, sound judgment, and a collaborative approach
• Commitment to analytical quality, independence, integrity, and confidentiality
• Experience with financial modeling, data analytics, visualization, automation, or AI-enabled productivity tools is preferred
• Progress toward a relevant professional qualification, such as CFA or FRM, is beneficial
• 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 in finance, economics, accounting, business administration, or another relevant analytical discipline
• Relevant experience in credit analysis, financial analysis, banking, insurance, investments, risk management, audit, consulting, accounting, or a related field is preferred. Previous specialization in a Financial Institutions Group subsector is not required

Responsibilities

The Ratings Associate supports credit analysis and ongoing monitoring of a diversified financial institutions portfolio within Moody's Local Mexico, working closely with Lead Analysts.

• Perform credit analysis and ongoing monitoring of an assigned portfolio under the guidance of Lead Analysts
• Analyze financial statements, regulatory information, business models, competitive positioning, risk profiles, and relevant market developments
• Evaluate credit considerations such as asset quality, capitalization, profitability, funding, liquidity, risk management, and operating environment, as applicable
• Build and maintain financial models, analytical scorecards, forecasts, peer comparisons, charts, and presentation materials
• Identify emerging risks, credit trends, information gaps, and developments that could affect an entity's credit profile or rating
• Apply Moody's Local methodologies, analytical frameworks, and documentation standards
• Prepare rating committee materials and clearly articulate key credit strengths, risks, assumptions, and rating considerations
• Present assigned analysis and contribute constructively to rating committee discussions
• Support the documentation and completion of rating actions in accordance with applicable processes, controls, and regulatory requirements
• Draft credit opinions, press releases, rating-action announcements, issuer comments, and sector research in collaboration with Lead Analysts
• Monitor financial, regulatory, economic, and industry developments and contribute ideas for relevant credit research
• Participate in meetings with rated entities and assist in preparing analytical agendas, discussion points, and follow-up questions
• Participate, as appropriate, in investor briefings, industry events, and other analytical market-engagement activities

About the Team

Our Financial Institutions Group team at Moody's Local Mexico is responsible for delivering rigorous, independent credit analysis across a broad spectrum of financial sector entities, including banks, non-bank financial institutions, insurance companies, brokerage firms, asset managers, investment funds, and other financial-sector participants. By joining our team, you will be part of high-impact analytical work that contributes directly to Moody's ratings accuracy, market transparency, and research excellence in the Mexican and broader Latin American markets. We embrace a collaborative, intellectually curious culture where associates work alongside experienced Lead Analysts and are supported in growing their sector knowledge, technical expertise, and analytical judgment — with a growing focus on AI-enabled tools and innovation to drive smarter, faster insights.