Ratings Associate

Moody's Corporation; New York (NY); On-site; USD 82,000 - 96,000; Full time

Job summary

Moody’s Corporation is seeking a Ratings Associate in New York to join a global team working with Credit Rating Analysts to assess credit risk across major global sectors and structured financings. The role emphasizes using digital tools and AI to streamline processes and improve data quality.

You will participate in rating committee discussions, draft research materials, and monitor market developments while developing your professional skills in a fast-paced environment at Moody’s.

Qualifications

• Accounting knowledge with a strong focus on financial analysis (e.g. through coursework, CFA or equivalent).
• Relevant work or project experience, including internships
• Proficiency in MS Excel, Word, and PowerPoint
• Experience with data analysis and visualization tools (PowerBI, TABLEAU, KNIME, Alteryx) preferred
• Excellent verbal, written communication, and interpersonal skills
• Strong organization skills, analytical thinking, and attention to detail
• Eagerness to learn and adopt emerging technical applications in the financial industry, including AI-driven tools, automation and data analytics
• Proactive with the ability to work effectively in a team environment
• Ability to adapt and thrive in a fast-paced, innovative environment; ability to prioritize tasks
• Fundamental understanding of fixed income markets or credit preferred
• Demonstrates a high level of emotional intelligence, including the ability to navigate complex interpersonal dynamics, foster collaboration, and approach challenges with empathy and self-awareness
• Exemplifies unwavering integrity by consistently acting with honesty, transparency, and accountability, ensuring trust and credibility in all interactions and decisions
• Strong skills in data interpretation and storytelling, with the ability to analyze complex datasets, extract actionable insights, and effectively communicate findings to diverse audiences in a clear and compelling manner
• Python and SQL skills preferred

Responsibilities

• Collaborate with Credit Rating Analysts to assign and monitor credit ratings of companies in global industries
• Participate in credit rating process stages and in rating committee discussions
• Utilize advanced digital tools and AI technologies to streamline processes and improve data analysis quality
• Contribute to preparation of credit rating memos and research reports
• Monitor market developments and industry trends to assess credit quality
• Attend investor and issuer meetings and help prepare presentations
• Develop professional skills through trainings and hands-on work
• Learn about sustainability, cyber risk, private credit and local financial markets

Skills

Analytical thinking

Communication

Team collaboration

AI tools learning

Fixed income knowledge

Emotional intelligence

Data interpretation & storytelling

Python

SQL

Financial analysis

Education

Bachelor’s Degree (undergraduate)

GPA 3.0 in US

CFA coursework or equivalent

Tools

PowerBI

TABLEAU

KNIME

Alteryx

MS Excel

Word

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.

Skills & Competencies

• Accounting knowledge with a strong focus on financial analysis (e.g. through coursework, CFA or equivalent), or relevant work experience is preferred
• Relevant work or project experience, including internships
• Proficiency in MS Excel, Word, and PowerPoint
• Experience with data analysis and visualization tools (e.g., PowerBI, TABLEAU, KNIME, Alteryx) preferred
• Excellent verbal, written communication, and interpersonal skills
• Strong organization skills, analytical thinking, and attention to detail
• Eagerness to learn and adopt emerging technical applications in the financial industry, including AI-driven tools, automation and data analytics
• Proactive with the ability to work effectively in a team environment
• Ability to adapt and thrive in a fast-paced, innovative environment; ability to prioritize tasks
• Fundamental understanding of fixed income markets or credit preferred
• Demonstrates a high level of emotional intelligence, including the ability to navigate complex interpersonal dynamics, foster collaboration, and approach challenges with empathy and self-awareness
• Exemplifies unwavering integrity by consistently acting with honesty, transparency, and accountability, ensuring trust and credibility in all interactions and decisions
• Strong skills in data interpretation and storytelling, with the ability to analyze complex datasets, extract actionable insights, and effectively communicate findings to diverse audiences in a clear and compelling manner
• Python and SQL skills preferred

Education

• Minimum undergraduate/first-level degree (e.g. Bachelor’s Degree, or equivalent qualifications) with a strong academic record (minimum GPA of 3.0 in the US)
• Availability to start in January 2027

Responsibilities

As a Ratings Associate, you will be part of a global team and you will collaborate closely with Credit Rating Analysts to assign and monitor credit ratings of companies in major global industries, governments and structured financings, playing a crucial role in assessing their credit risk and performance. You will participate in key stages of the credit rating process and contribute to the rigorous evaluation and assignment of credit ratings by participating in credit rating committee discussions. You will utilize advanced digital tools and AI technologies to streamline processes, improve efficiency, and enhance the quality of your data analysis. Ratings Associates are part of a dynamic team that makes a significant impact on the global capital markets.

What To Expect

• Support Analysts on work related to credit ratings, research, and market outreach
• Leverage digital tools and AI-driven solutions to enhance analytical capabilities, improve efficiency, and focus on solving complex, high-value challenges
• Analyze data and financial documents, prepare and run financial models and forecasts
• Draft rating committee memos; attend and participate in rating committee meetings
• Draft and help publish credit research reports
• Monitor market developments and news to assess credit quality and industry trends
• Attend investor and issuer meetings as required; help prepare presentations
• Continuous development of your professional skills through trainings and hands-on work
• Learn about sustainability, cyber risk, private credit and local financial markets

About The Team

The Ratings & Research Support (RRS) team at Moody's plays a critical role in ensuring the smooth operation of the ratings and research process and supporting various analytical departments. The Ratings Associate will work closely with Credit Rating Analysts to ensure that all tasks related to credit ratings, research, and market outreach are completed efficiently and effectively. This role is essential in maintaining the overall productivity and organization of the ratings process, and it supports the larger team by ensuring that all analytical needs are met promptly and accurately.

• Corporate Finance Group (CFG)
• Financial Institutions Group (FIG)
• Public Finance Group (PFG)
• Project and Infrastructure Finance (PIF)

For US-based roles only: the anticipated hiring base salary range for this position is $82,400.00 - $95,500, 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.