Ratings Associate, Banking

Job Summary

Required Qualifications

• •1-2 years relevant working experience
• •Good understanding about the banking sector and credit market
• •Fluent in English
• •Solid verbal, written communication and interpersonal skills
• •Strong organizational skills and attention to detail
• •Basic understanding of artificial intelligence concepts
• •Curiosity and enthusiasm for learning how AI tools can be used to improve processes and drive efficiency
• •Interest in exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use
• •Undergraduate degree
• •Ability to review financial statements and charts, analyze data and financial statements, and build and update financial forecasts
• •Ability to write analytical commentary in accordance with Moody's methodologies
• •Ability to assist with proprietary models and new financial projections
• •Ability to identify trends in data and apply analytical skills and judgment to form well-reasoned credit conclusions
• •Ability to develop a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules
• •Ability to prepare first draft of rating committee memos
• •Ability to attend and participate in rating committee meetings
• •Ability to offer analysis and opinion in rating committee meetings
• •Ability to develop strong working knowledge of Moody's methodologies and credit rating best practices
• •Ability to understand and identify key factors that affect issuer credit ratings
• •Ability to engage with issuers directly for follow-up clarification and information
• •Ability to complete Credit Estimates used to assess elements of credit risk in certain rated transactions
• •Ability to contribute to the first draft of core research e.g. credit opinions, issuer and sector comments, press releases, pre sale and new issue reports
• •Ability to contribute to research strategy, including idea generation and preliminary drafting
• •Ability to adhere to Moody's research standards
• •Ability to attend investor briefings and issuer meetings as required
• •Ability to help prepare presentation materials
• •Ability to engage in discussions with issuers
• •Ability to build positive relationships with issuers
• •Ability to display initiative to understand the issuer's business
• •Ability to proactively respond to issuer enquiries
• •Ability to operate internal systems and software specific to the rating group
• •Ability to construct and take ownership of analytical databases
• •Ability to identify all issues with data for follow up with Lead Analysts
• •Ability to demonstrate thorough understanding and judgment in applying Moody's processes, documentation standards and best practices
• •Ability to adhere to all laws and policies
• •Ability to ensure compliance with applicable laws, regulations, policies, and procedures
• •Ability to certify relevant key codes as required
• •Ability to complete mandatory required training in a timely manner
• •Ability to provide clear, concise and constructive guidance in the delegation of work
• •Ability to actively manage workload pipeline
• •Ability to seek Ratings Associate Team Manager (RATM) guidance where needed
• •Ability to conduct comprehensive analysis on an assigned portfolio of credit ratings
• •Ability to perform holistic evaluations of credit risk
• •Ability to integrate credit inputs prepared by internal and external parties
• •Ability to actively participate in rating committee discussions
• •Ability to interact with issuers and other market participants
• •Ability to work with Lead Analysts
• •Ability to perform holistic evaluations of credit risk by integrating credit inputs prepared by internal and external parties
• •Ability to actively participate in rating committee discussions and interact with issuers and other market participants
• •Ability to work in collaboration with Lead Analysts
• •Ability to focus primarily on banks and non-bank financial institutions in South and Southeast Asia
• •Ability to comply with Moody's Policy for Securities Trading
• •Ability to remediate positions in securities holdings as necessary

Desired Qualifications

• •Knowledge of other Asian languages
• •Postgraduate (Masters, MBA) degree
• •Professional certifications (CPA, CFA)