Ratings Associate - Structured Finance Group
Ratings Associate - Structured Finance Group

Ratings Associate - Structured Finance Group

London Full-Time 28800 - 42000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Join Moody's as a Ratings Associate, analyzing credit risks and collaborating with lead analysts.
  • Company: Moody's is a global leader in credit ratings, research, and risk analysis.
  • Benefits: Enjoy a diverse and inclusive work environment with opportunities for growth and development.
  • Why this job: Make an impact by turning risks into opportunities while learning from industry experts.
  • Qualifications: Must have a Bachelor's degree with strong academic performance; relevant experience preferred.
  • Other info: Start date is Q1 2025; open to applicants who may not meet every requirement.

The predicted salary is between 28800 - 42000 £ per year.

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.

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 and Competencies:

  • 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).
  • Some relevant experience (including internships) is preferred.
  • 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.
  • Python and SQL skills preferred.
  • Finance, mathematics, statistics background preferred.

Education:

  • Minimum undergraduate/first-level degree (e.g. Bachelor’s Degree, or equivalent qualifications) with strong academic performance.
  • Availability to start in Q1 2025.

Responsibilities

Portfolio Management & Credit Quality
Working 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 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.
  • Contributing to research strategy, including idea generation and preliminary drafting, and adhering to Moody’s research standards.
  • Attending investor briefings and issuer meetings as required; helping prepare presentation materials in some cases; arriving prepared to engage in discussions.
  • 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.

Coaching & Guidance

  • Providing guidance in the delegation of work to the data processing team.
  • Actively managing workload pipeline to provide sufficient time for completion. Seeking guidance from the manager where needed to determine how to prioritize work.
  • 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., e-mail use (phishing malware).
  • Ensure high quality of work free of errors.

The Role:

The Rating Associate will work with lead analysts in assigning and monitoring credit ratings; researching, drafting, and publishing research; and other activities. 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 is expected to participate in rating committee discussions and interact with issuers and other market participants, in collaboration with lead analysts.

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.

Moody’s is an equal opportunity employer. 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.
For more information on the Securities Trading Program, please refer to the STP Quick Reference guide on ComplianceNet.
Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.

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Ratings Associate - Structured Finance Group employer: Griffin Fire

At Moody's, we pride ourselves on fostering a collaborative and inclusive work environment where every employee is empowered to contribute their unique perspectives. As a Ratings Associate in our Structured Finance Group, you will have access to exceptional growth opportunities, mentorship from industry leaders, and the chance to engage with diverse market participants. Our commitment to professional development, coupled with a culture that values integrity and curiosity, makes Moody's an outstanding employer for those seeking a meaningful career in finance.
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Contact Detail:

Griffin Fire Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Ratings Associate - Structured Finance Group

✨Tip Number 1

Familiarize yourself with Moody's methodologies and credit rating best practices. Understanding these concepts will not only help you in interviews but also demonstrate your proactive approach to learning about the company.

✨Tip Number 2

Engage with current trends in fixed income markets and credit analysis. Being able to discuss recent developments or news events related to credit ratings during your interview can set you apart from other candidates.

✨Tip Number 3

Showcase your analytical skills by preparing examples of past projects or experiences where you analyzed financial data or created forecasts. This will highlight your ability to perform the analytical tasks required for the role.

✨Tip Number 4

Network with professionals in the finance and credit analysis fields. Building relationships can provide insights into the role and may even lead to referrals, increasing your chances of landing the job.

We think you need these skills to ace Ratings Associate - Structured Finance Group

Strong Academic Performance
Excellent Verbal and Written Communication Skills
Interpersonal Skills
Proficiency in MS Excel, Word, and PowerPoint
Proactive Team Collaboration
Strong Organizational Skills
Analytical Thinking
Attention to Detail
Adaptability to Changing Environments
Prioritization Skills
Understanding of Fixed Income Markets
Credit Knowledge
Python Programming Skills
SQL Proficiency
Background in Finance, Mathematics, or Statistics

Some tips for your application 🫡

Highlight Relevant Experience: Make sure to emphasize any relevant experience you have, including internships or projects related to credit analysis, finance, or data analysis. Use specific examples to demonstrate your skills and how they align with the responsibilities of the Ratings Associate role.

Showcase Your Skills: Clearly outline your proficiency in MS Excel, Word, and PowerPoint, as well as any experience with Python and SQL. Mention your analytical thinking and attention to detail, as these are crucial for the position.

Demonstrate Communication Abilities: Since excellent verbal and written communication skills are essential, provide examples of how you've effectively communicated complex information in previous roles or academic settings. This could include presentations, reports, or collaborative projects.

Express Your Interest in Moody's Values: In your cover letter or personal statement, express how your values align with Moody's commitment to inclusivity, curiosity, and integrity. Share specific instances where you've demonstrated these values in your academic or professional life.

How to prepare for a job interview at Griffin Fire

✨Show Your Analytical Skills

Prepare to discuss your analytical thinking and attention to detail. Be ready to provide examples from your academic or internship experiences where you successfully analyzed financial data or built forecasts.

✨Demonstrate Communication Proficiency

Since excellent verbal and written communication skills are crucial, practice explaining complex financial concepts in simple terms. This will showcase your ability to communicate effectively with both technical and non-technical audiences.

✨Familiarize Yourself with Moody's Methodologies

Research Moody's credit rating methodologies and best practices. Understanding these will not only help you answer questions more effectively but also demonstrate your genuine interest in the role and the company.

✨Engage with Curiosity

During the interview, ask insightful questions about the team dynamics, ongoing projects, and how the role contributes to Moody's mission. This shows that you are proactive and genuinely interested in being part of their inclusive environment.

Ratings Associate - Structured Finance Group
Griffin Fire
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  • Ratings Associate - Structured Finance Group

    London
    Full-Time
    28800 - 42000 £ / year (est.)

    Application deadline: 2027-03-18

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    Griffin Fire

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