Associate Moody's Local Financial Institutions

**The Role**
Provide credit analysis throughout the different phases of the rating process on the portfolio of financial institutions, including banks and insurance companies, and qualitative assessments of investment management companies (Asset Management) and will form a holistic view of these companies. The Associate/ML at Moody’s Local Brasil will work on a complex and high-profile portfolio of banks and investment management companies

The Associate/ML role provides an opportunity to make a significant contribution to the success of Moody’s Local, by providing a range of analytical services that contributes to the overall credit analysis function performed by Lead Analysts.

This role will focus primarily on the Financial Institutions sector, and there is potential for cross-training in supporting varying asset classes, rating teams, and methodologies, as part of career progression.

The Associate/ML position provides a unique opportunity to foster skills that are valuable to any future career in the financial services industry.

**Key Responsibilities**
- Perform preliminary credit analysis to support ratings, research, analytical outreach and presentations, following guidance provided by team lead. Examples of analytical work include:

- quantitative assessment of financial statements, asset performance, and economic/market data, qualitative assessments of business strategy, financial policy, governance, and other factors, as well as analysis of bond indentures and other legal documents.
- reading legal documents and contracts to understand issuance terms, structures, covenants, and guarantees.
- Preparing financial spreadsheets and charts, analyzing data and financial statements, building and updating financial models and analytical tools, and writing analytical commentary in accordance with Moody’s methodologies.
- Interpret and analyze financial data to perform the preliminary credit analysis.
- Demonstrate the ability to understand and identify key factors that affect credit ratings under the full supervision and 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.
- Perform certain routine administrative and other ad hoc credit-related tasks as directed by the direct supervisor.
- Work as a team with other Associates and Analysts under the overall supervision of the direct manager
- Participate in external meetings with issuers, financial advisors, & other intermediaries.
- Minimum undergraduate/ first level degree in economics, accounting, engineering, business administration, statistics, actuarial science, or similar (e.g. bachelor’s degree, or equivalent qualifications).
- Preferably 1-2 years of relevant experience. (including internship)
- Demonstrates knowledge of MS Excel, Word, and PowerPoint.
- Solid verbal, written communication, and interpersonal skills
- English speaking and writing capabilities
- Python programming & Visual Basic for Applications knowledge is a strong plus
- Ability to adapt to a changing environment and prioritize tasks accordingly.

**Financial Institutions**

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.

Moody’s Investors Service is among the world’s most respected and widely utilized sources for credit ratings and research. Our opinions and analysis on a broad range of credit obligors and obligations are valued around the world for their insight and rigor.

At MIS, our workplace culture supports our mission to be the Agency of Choice for our customers, employees and future employees. Our Culture focuses on Excellence and embodies behavioral qualities such as Integrity, Responsiveness, Collaboration, Respect and Passion. Our people are our core asset and we look beyond outcomes to ensure that behaviors and interactions matter.

For more information on the Securities Trading Program, please refer to the STP Quick Reference guide on ComplianceNet