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 & Competencies Excellent verbal, written communication, and interpersonal skills Proficient in MS Excel, Word, and PowerPoint Proactive and able to work effectively in a collaborative team environment Strong organization skills, analytical thinking, and attention to detail Ability to adapt to a changing environment and prioritize tasks accordingly Some understanding of fixed income markets and/or credit knowledge is preferred Some relevant experience (including internships) is preferred Accounting knowledge with a strong focus on financial analysis (e.g. through coursework, CFA or equivalent, or relevant work experience is preferred)Education Minimum undergraduate/first-level degree (e.g. Bachelor's Degree, or equivalent qualifications) with strong academic performance (in the US, minimum GPA of 3.0) Finance, accounting, or business background preferred Availability to start as part of our January 2026 cohortResponsibilitiesPortfolio Management & Credit QualityWorking with lead analysts by performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work may include: 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 Collaborating with lead analysts in preparing the first draft of rating committee memos 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 transactionsResearch, Investor Outreach & Market Interaction Contributing to the first draft of core research (such as credit opinions, issuer and sector comments, pr
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