AVP-Ratings (CLO)

Moody; New York (NY); On-site; USD 162,000 - 234,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Parental leave

Paid time off

401(k) plan with company match

Life insurance

Disability insurance

Stock purchase plan

Tuition reimbursement

Job summary

Moody's is seeking an AVP-Ratings Analyst to lead the rating and surveillance of structured finance transactions, with a focus on CLOs, structured credit, and corporate ABS. You will deliver high‑quality credit opinions and engage with market participants across the deal lifecycle.

You will model cash flows, assess risks, and present findings in rating committees while collaborating with arrangers, issuers, and investors to advance research and market insights.

Qualifications

• Bachelor's degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or related quantitative field required.
• 3+ years of credit analysis for structured finance or 5+ years in general credit analysis.
• Master's degree preferred.

Responsibilities

• Lead analysis for structured finance transactions focusing on CLOs, structured credit, and corporate ABS.
• Analyze transaction performance, collateral characteristics, and structuring features to form rating recommendations.
• Model cash flows and review docs to assess stress scenario outcomes.
• Lead rating committees and present analysis on structures and risks.
• Communicate with arrangers, issuers, investors, trustees, servicers, and external advisors.
• Represent the team in reviews, issuer meetings, and investor forums.
• Produce publishable research including reports, market trend analyses, and thought leadership on structured finance.
• Monitor ratings and identify emerging risks across sectors.
• Participate in projects to enhance analytical frameworks and digital enablement.

Skills

Structured finance credit analysis

CLOs expertise

Structured credit experience

Corporate ABS knowledge

Cash flow modeling

Stress testing cash flows

Credit risk assessment

Lead rating discussions

Written and verbal communication

Publishable research

Stakeholder engagement

Multi-transaction management

AI tooling usage

AI risk awareness

Education

Bachelor's degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or related quantitative field

Minimum 3 years in credit analysis for structured finance or 5 years in general credit analysis

Master's degree preferred

Tools

AI tools

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

• Demonstrated expertise in structured finance credit analysis, with a strong command of CLOs, structured credit, corporate ABS, and related asset classes
• Strong financial modeling skills, including the ability to build and stress-test cash flow models to evaluate transaction performance under various scenarios
• Solid understanding of credit, structural, legal, and operational risks inherent in structured finance transactions
• Ability to independently lead rating committee discussions, articulate credit opinions clearly, and defend analytical conclusions
• Excellent written and verbal communication skills, with the ability to produce publication-ready research including presale reports, surveillance commentary, and market analyses
• Strong stakeholder engagement skills, with experience interacting with arrangers, issuers, investors, trustees, servicers, and legal counsel
• Proven ability to manage multiple transactions and competing priorities in a fast-paced, deadline-driven environment
• Demonstrated proficiency in artificial intelligence concepts, with hands‑on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use

Education

• Bachelor's degree in Finance, Economics, Applied Mathematics, Statistics, Financial Engineering, or a related quantitative field required
• Minimum of three years of experience in credit analysis for structured finance transactions, or five years of experience in general credit analysis
• Master's degree preferred

Responsibilities

The AVP-Ratings Analyst plays a lead role in the rating and monitoring of structured finance transactions, with a focus on CLOs, structured credit, and corporate ABS, delivering high-quality credit opinions and engaging actively with market participants.

• Serve as lead analyst for structured finance transactions, including analysis of credit, structural, operational, and legal risks
• Analyze transaction performance, collateral characteristics, and structural features to formulate rating recommendations and credit opinions
• Model cash flows and review transaction documentation to assess the impact of stress scenarios and performance outcomes
• Lead rating committees and present analysis of transaction structures, legal considerations, and key credit risks
• Communicate effectively with arrangers, issuers, investors, trustees, servicers, and external advisors
• Represent the team in operational reviews, issuer meetings, and investor forums
• Produce publishable research including transaction reports, sector commentary, market trend analyses, and thought leadership pieces related to structured finance
• Monitor outstanding ratings and identify emerging risks and performance trends across structured finance sectors
• Participate in special projects to enhance analytical frameworks, operational efficiency, and digital enablement initiatives

About the Team

The Structured Finance Ratings Team within Moody's Structured Finance Group is responsible for the analysis, rating, and surveillance of a broad range of structured finance transactions across multiple asset classes. The team delivers timely, high-quality research on market developments and emerging risks, engages actively with issuers and investors, and contributes to industry dialogue through conferences, research publications, and thought leadership. Team members work in a collaborative environment focused on analytical excellence, innovation, mentorship, and long-term career growth — including the continued adoption of data-driven and AI-enabled analytical tools.

For US-based roles only: the anticipated hiring base salary range for this position is$161,500.00-$234,250.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody’s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.

Moody’s is an equal opportunity employer.

All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status,sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law.

Moody’s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws.

If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email [e-mail] . This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications.

For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.

This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act.

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.

For more information on the Securities Trading Program, please refer to the Securities Trading Policy on Moody’s Compliance Expo page.

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.