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Moody's is seeking a Ratings Associate to join its Banking team in Singapore, focusing on credit analysis and ratings for banks and non-bank financial institutions across South and Southeast Asia. This role works closely with Lead Analysts to conduct comprehensive credit risk evaluations, integrating inputs from internal and external sources.
Key responsibilities include performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach. You will review financial statements, analyze data, build financial forecasts, and write analytical commentary following Moody's methodologies. The role involves assisting with proprietary models, identifying data trends, and applying analytical judgment to form credit conclusions. You'll develop working knowledge of credit fundamentals through transaction documentation review, cash flow analysis, and loss allocation rules.
You will prepare first drafts of rating committee memos in collaboration with Lead Analysts, attend and participate in rating committee meetings, and engage directly with issuers for follow-up clarification. The position also includes contributing to core research such as credit opinions, issuer and sector comments, press releases, and new issue reports.
Additional responsibilities encompass research strategy contribution, attending investor briefings and issuer meetings, and building positive relationships with issuers. You'll operate internal systems and software specific to the rating group, construct analytical databases, and ensure compliance with applicable laws, regulations, and Moody's policies and procedures.
The ideal candidate has 1-2 years of relevant working experience with a good understanding of the banking sector and credit markets. Fluency in English is required, with knowledge of other Asian languages as a bonus. You should possess solid verbal and written communication skills, enjoy teamwork, and demonstrate strong organizational abilities and attention to detail. A basic understanding of AI concepts and curiosity about how AI tools can improve processes is valued. An undergraduate degree is required; postgraduate qualifications (Masters, MBA) and professional certifications (CPA, CFA) are bonuses.
