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 and Competencies

• Strong foundation in economics and finance, with practical application to credit risk assessment.
• Strong accounting and financial statement analysis skills
• Excellent written and verbal communication skills; ability to craft clear, structured, and concise credit narratives.
• Advanced proficiency in Excel and PowerPoint. Basic understanding of Python and/or other programming languages related to finance is a plus.
• High attention to detail, organization, and ability to manage multiple priorities.
• Collaborative mindset, professional skepticism, and commitment to the highest ethical standards.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
• English speaking and writing capabilities are a plus.
• 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 in Economics, Actuarial Science, Finance or related fields is required. Graduate/second level degree (Masters, MBA or CFA program) are a plus.
• 3 years of prior experience required in financial analysis, credit risk, or related fields.

Responsibilities

The Associate Credit Analyst ML will conduct ongoing credit analysis of financial institutions (banks, insurance companies and SGR) in Argentina and Uruguay to support accurate ratings and market insight.

• Interpret and analyze financials and other sources of data to perform the preliminary credit analysis
• Develop working knowledge of Moody's Local methodologies in order to apply credit analysis.
• Preparing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial models and forecasts, and writing analytical commentary in accordance with Moody's methodologies
• Perform preliminary credit analysis to support ratings, research, analytical outreach and presentations, following guidance provided by team leaders.
• Collaborate closely with senior analysts to support rating actions and publications; contribute to workflow improvements and analytical best practices.
• Gather and prepare financial information about issuers rated by Moody's Local.
• Demonstrate the ability to understand and identify key factors that affect credit ratings under the guidance of lead analysts.
• Support credit monitoring/surveillance of issuers by e.g. preparing data for surveillance, periodically updating preliminary components of analysis, and initiating/escalating deeper credit reviews when necessary.
• Formulate a cogent rating rationale and present this rationale in a persuasive fashion at rating committee while leading the committee discussion.
• Participate in issuer and investor interactions alongside senior analysts; prepare thoughtful questions for management meetings and follow up on information requests.
• Ensure data integrity across internal systems; document analytical judgments and adhere to methodologies, controls, and compliance requirements.

About the team

Join a dynamic and collaborative team at Moody’s as an Associate/ML, where you’ll play a key role in supporting Moody’s Local operations in Argentina and Uruguay. As part of the team, you’ll work closely with lead analysts, gaining hands-on experience and developing valuable skills in the financial services industry. This role offers a unique opportunity to apply your analytical expertise, contribute to impactful credit assessments, and grow professionally within a supportive and inclusive environment.

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.