at Moody's
OtherPosted 3 days ago
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**Ratings Associate, Banking** in Singapore performs daily credit analysis for banking portfolios, contributing to research, investor outreach, and credit administration. Duties include reviewing financial statements, building forecasts, writing analysis, and participating in rating committee meetings. Requirements: experienced hire with 1-2 years relevant experience, good banking sector knowledge, fluent English, strong communication, organizational, and teamwork skills. Basic AI understanding is a plus. An undergraduate degree is required; postgraduate degrees and relevant certifications are bonus qualifications. This role focuses on banks and financial institutions in South and Southeast Asia. Moody's, a global leader in ratings, values diversity and inclusion.
- Compensation
- Not specified
- City
- Singapore
- Country
- Singapore
Currency: Not specified
Full Job Description
Ratings Associate, Banking
Singapore, Singapore
At Moody's, we unite the brightest minds to turn todays risks into tomorrows opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they arewith the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moodys is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, were advancing AI to move from insight to actionenabling 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 and Competencies
- Has 1-2 years relevant working experience
- Good understanding about the banking sector and credit market
- Fluent in English. Knowledge of other Asian languages will be a bonus
- Solid verbal, written communication and interpersonal skills
- Enjoys engaging in team work with a positive and constructive attitude
- Strong organizational skills and attention to detail
- Basic understanding of artificial intelligence concepts, with 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
Education
- Undergraduate degree required at a minimum. Postgraduate (Masters, MBA) and other professional certifications (CPA, CFA) will be a bonus
Responsibilities
Portfolio Management
- Performs day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work produced include:
o Reviewing financial statements and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moodys methodologies
o 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
o Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules
o Prepares first draft of rating committee memos, in collaboration with Lead Analysts
o Attends and participates in rating committee meetings, including offering analysis and opinion where appropriate - Develops strong working knowledge of Moodys methodologies and credit rating best practices, applying these with moderate guidance
- Develops the ability to understand and identify key factors that affect issuer credit ratings.Engages with issuers directly for follow-up clarification and information
- May complete Credit Estimates used to assess elements of credit risk in certain rated transactions
Research & Investor Outreach
- Contributes to the first draft of core research e.g. credit opinions, issuer and sector comments, press releases, pre sale and new issue reports etc. in collaboration with Lead Analysts
- Contributes to research strategy, including idea generation and preliminary drafting, adhering to Moody's research standards
- Attends investor briefings and issuer meetings as required; helps prepare presentation materials; arrives prepared to engage in discussions
- Builds positive relationships with issuers displays initiative to understand the issuers business and proactively responds to issuer enquiries
Credit Administration
- Operates internal systems and software specific to the rating group
- Constructs and takes ownership of analytical databases as applicable. Identifies all issues with data for follow up with Lead Analysts
- Demonstrates thorough understanding and judgment in applying Moodys processes, documentation standards and best practices, adhering to all laws and policies
- Ensures compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Completes mandatory required training in a timely manner
Coaching & Guidance
- Provides clear, concise and constructive guidance in the delegation of work to support teams
- Actively managing workload pipeline in order to provide sufficient time for completion. Seeks Ratings Associate Team Manager (RATM) guidance where needed to determine how to allocate work
About the Role
The Ratings Associate (RA) will work with Lead Analysts in conducting comprehensive analysis on an assigned portfolio of credit ratings. The RA will perform holistic evaluations of credit risk by integrating credit inputs prepared by internal and external parties. In conducting credit analysis for their assigned portfolios, transactions or credit reviews, RAs will actively participate in rating committee discussions and interact with issuers and other market participants, in collaboration with Lead Analysts.
The RA role is integral to Moodys focus on ratings accuracy, research and market outreach. The RA role will focus primarily on banks and non-bank financial institutions in South and Southeast Asia, with the potential for cross-training in other rating groups.
Moodys 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 Moodys 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.
