Ratings Associate

Moody's; Singapore; On-site; SGD 60,000 - 80,000; Full time

Job summary

A global financial assessment leader in Singapore is seeking a Credit Analyst with a strong background in financial analysis. The role involves conducting credit assessments, preparing forecasts, and engaging with issuers. Ideal candidates will have an undergraduate degree and 1-2 years of relevant experience. Strong communication, attention to detail, and proficiency in Excel are essential for success in this multidisciplinary team environment. The firm prides itself on fostering an inclusive atmosphere for diverse perspectives.

Qualifications

• Minimum 1-2 years relevant working experience in financial analysis.
• Ability to engage and communicate effectively with others.
• Strong organizational skills and a keen eye for detail.

Responsibilities

• Conduct credit analysis and review financial statements.
• Assist with financial projections and prepare rating committee memos.
• Build strong relationships with issuers and participate in meetings.
• Operate internal rating systems and ensure data accuracy.

Skills

Accounting background

Strong financial analysis

Verbal and written communication

Interpersonal skills

Teamwork and positive attitude

Attention to detail

Proficient in MS Excel

Fluent in English

Education

Undergraduate degree

Tools

MS Excel

MS Word

MS 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.

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

• Accounting background with strong focus in financial analysis (e.g., through coursework, CFA or equivalent, or relevant work experience).
• Solid verbal, written communication and interpersonal skills.
• Enjoys engaging in team work with a positive and constructive attitude.
• Strong organizational skills and attention to detail.
• Proficient in MS Excel, Word and PowerPoint.
• Fluent in English. Knowledge of Southeast Asian local languages a bonus.

Education

• Undergraduate degree required at a minimum, with 1-2 years relevant working experience.

Responsibilities

Portfolio Management

• Conducts day-to-day credit analysis, including reviewing financial statements, analyzing data, preparing forecasts, and drafting analytical commentary aligned with Moody’s methodologies.
• Assists with proprietary models, financial projections, trend identification, and reviews transaction documents to understand cash flow and loss allocation rules.
• Prepares first drafts of rating committee memos, collaborates with lead analysts, and actively participates in rating committee meetings by providing analysis and opinions.
• Develops strong knowledge of Moody’s methodologies, interprets key credit factors, engages with issuers for clarification, and may complete credit estimates for risk assessment.

Research & Investor Outreach

• Contributes to drafting core research materials (credit opinions, sector comments, press releases) and supports research strategy through idea generation and adherence to Moody’s standards.
• Participates in investor briefings and issuer meetings, prepares presentations, and builds strong issuer relationships by understanding their business and responding proactively.

Credit Administration

• Operates internal rating systems, constructs and maintains analytical databases, and ensures data accuracy by identifying and resolving issues with Lead Analysts.
• Applies Moody’s processes, documentation standards, and best practices with sound judgment, ensuring adherence to all laws and policies.

Coaching & Guidance

• Provides clear, concise and constructive guidance in the delegation of work to support teams.
• Actively manages workload pipeline in order to provide sufficient time for completion. Seeks Ratings Associate Team Manager (RATM) guidance where needed to determine how to allocate work.

Risk Identification and Escalation

• Ensure compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Complete mandatory required training in a timely manner.
• Awareness of Moody’s risk management approach.
• Increase awareness of cyber risks and avoidance of vulnerabilities e.g., e-mail use (phishing, malware).

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.