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    Associate, Credit Risk - London, United Kingdom - Moody's

    Moody's
    Moody's London, United Kingdom

    2 weeks ago

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    Description
    Moody's is a global integrated risk assessment firm that empowers organizations to make better decisions.
    We're hiring diverse talent and providing underrepresented groups with equitable opportunities in their careers. Learn more about our DE&I initiatives, employee development programs and view our annual DE&I Report at

    The Rating Associate will work with lead analysts in assigning and monitoring credit ratings; The Rating Associate will perform an evaluation of credit risk by integrating credit risk inputs prepared by internal and external parties.

    In conducting credit analysis for their assigned credits, transactions, or credit reviews. The Rating Associate role is integral to Moody's focus on ratings accuracy, research, and market outreach.

    The Rating Associate role will typically focus primarily on one rating group, with the potential for cross-training in and/or work for other rating groups.

    Portfolio Management & Credit Quality
    Working with lead analysts by performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach.

    Reviewing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody's methodologies.

    Assisting with proprietary models and new financial projections as applicable, identifying trends in data, and applying analytical skills and judgment to form well-reasoned credit conclusions.

    Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules.

    Performing analytical tasks related to portfolio reviews and other credit projects.

    Developing a working knowledge of Moody's methodologies and credit rating best practices, and applying these with guidance from lead analysts.

    Developing the ability to understand and identify key factors that affect issuer credit ratings. Interpreting and analyzing financial data and other credit inputs provided by internal and external parties.

    Monitoring credit quality and issuer and/or industry trends by following market developments and relevant news events, analyzing issuer reporting (including, in some rating groups monitoring and attending earnings calls), and engaging with issuers directly for follow-up clarification and information.

    Attending and participating in rating committee meetings, including to offer analysis and opinion where appropriate. Preparing credit estimates analysis used to assess elements of credit risk in certain rated transactions.
    Research, Investor Outreach & Market Interaction

    Contributing to the first draft of core research (such as credit opinions, issuer and sector comments, press releases, pre-sale, and new issue reports) in collaboration with lead analysts.

    helping prepare presentation materials in some cases; Building positive relationships with issuers displaying initiative to understand the issuer's business and proactively responding to issuer inquiries.

    Credit Administration
    Operating applicable ratings and research systems and utilizing software specific to the rating group.

    Demonstrating sound understanding and judgment in applying Moody's processes, documentation standards, and best practices, and adhering to all laws and policies.

    Providing guidance in the delegation of work to the data processing team.

    Providing feedback to the manager on the quality and accuracy of work produced by the data processing team, while providing constructive and proactive feedback.

    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., Ensure high quality of work free errors.
    Minimum undergraduate/first-level degree (e.g.

    Bachelor's Degree, or equivalent qualifications) with strong academic performance (in the US, minimum GPA of 3.Some relevant experience (including internships) is preferred.

    Proficient in MS Excel, Word, and PowerPoint
    Some understanding of fixed income markets and/or credit knowledge is preferred.
    Python and SQL skills preferred
    Finance, mathematics, statistics, background preferred.
    Language nice to have, but not required:
    ~ Italian, German, or French

    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. #
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