Ratings Associate

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

Job summary

Moody's is seeking a Ratings Associate to join a global team focused on assessing credit risk and performance of companies, governments, and financings. You will collaborate with Credit Rating Analysts, use AI-enabled tools to streamline processes, and contribute to rating decisions in a fast-paced environment.

You will develop financial models, draft memos, and support market outreach while leveraging data storytelling to communicate insights to diverse audiences.

Qualifications

• Undergrad degree with strong academic record (US GPA ≥ 3.0)
• Availability to start January 2027
• Experience with financial analysis or CFA-equivalent preferred

Responsibilities

• Assist Analysts on credit ratings, research, and market outreach
• Analyze data, prepare financial models and forecasts
• Draft rating memos; participate in rating committee meetings
• Publish credit research reports and monitor market developments
• Support teams across CFG, FIG, PFG, or PIF groups and learn continuously

Skills

Analytical thinking

Communication skills

Teamwork

Eagerness to learn

Emotional intelligence

Attention to detail

Data storytelling

Python

SQL

Education

Bachelor's degree or equivalent

Tools

Excel

PowerPoint

Word

PowerBI

Tableau

KNIME

Alteryx

Python

SQL

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.

Applications for this position will be accepted from September 18th - September 30th. We encourage interested candidates to apply early to ensure full consideration.

• 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.

This role has the potential to be placed on one of the fundamental teams within Ratings & Research Support:

• 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.