Ratings Associate – Financial Institutions Group

About the role

The Ratings Associate will work with Lead Analysts to conduct comprehensive credit analysis for banks and non‑bank financial institutions in South and Southeast Asia. The role involves evaluating credit risk, preparing rating committee materials, and engaging with issuers and investors.

Key responsibilities

• Perform day‑to‑day credit analysis, review financial statements, build forecasts, and write analytical commentary following Moody’s methodologies.
• Prepare first drafts of rating committee memos, attend committee meetings, and contribute to rating discussions.
• Develop research outputs such as credit opinions, sector comments, and press releases in collaboration with Lead Analysts.
• Engage directly with issuers for clarification, maintain analytical databases, and ensure compliance with internal policies and regulations.

Required profile

• 1‑2 years of relevant experience in banking or credit markets.
• Strong understanding of the banking sector and credit fundamentals.
• Fluent in English; additional Asian language skills are a plus.
• Undergraduate degree required; postgraduate degree or professional certifications (CPA, CFA) are advantageous.

Required skills

• Basic understanding of artificial intelligence concepts and interest in applying AI tools to improve processes.
• Solid verbal and written communication skills.
• Strong organizational abilities and attention to detail.