Ratings Associate Financial Institution Group

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.

Skills and Competencies

• Strong analytical and problem-solving skills with the ability to evaluate complex financial and non-financial information specific to banking and insurance sectors
• Good accounting, financial analysis, and corporate finance knowledge gained through academic coursework, professional experience, CFA studies, or equivalent qualifications
• Understanding of financial institutions, with a focus on banking and insurance business models, capital markets, or credit risk analysis preferred
• Familiarity with bank regulatory frameworks (e.g., Basel III) and insurance regulatory regimes (e.g., Solvency II) is a strong advantage
• Ability to synthesize large volumes of information and communicate clear, well-supported credit conclusions across both banking and insurance portfolios
• Strong organizational skills, attention to detail, and ability to manage multiple priorities in a fast-paced environment
• Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use
• Proficiency in Microsoft Excel, Word, and PowerPoint, with experience using data analytics or visualization tools preferred
• Excellent verbal and written communication skills in English and German, with fluency in German required
• Spanish language skills are preferred
• Please submit your CV in English

Education

• Bachelor's degree or Master's degree (preferred) in Finance, Economics, Accounting, Business Administration, Mathematics, or a related field
• Professional qualifications such as CFA, FRM, ACA, ACCA, or equivalent are advantageous
• Availability to start as soon as possible

Responsibilities

As a Ratings Associate within the Financial Institutions Group (Insurance and Banking), you will support credit rating and research activities across international markets, working closely with experienced analysts in each sector.

• Support Credit Rating Analysts in the analysis, assignment, and monitoring of credit ratings for banks, insurance companies, and other financial institutions
• Analyze financial statements, regulatory filings, capital adequacy, asset quality, earnings performance, liquidity, funding profiles, and risk management frameworks of banking and insurance issuers
• Evaluate business models, competitive positioning, regulatory environments, and industry developments affecting banks and insurance companies
• Prepare and maintain financial models, forecasts, peer comparisons, and analytical presentations for both banking and insurance sectors
• Draft rating committee materials and participate in rating committee discussions in accordance with Moody's methodologies and procedures
• Draft and support the publication of credit research, sector reports, rating opinions, and market commentary covering banking and insurance companies
• Monitor economic conditions, regulatory developments, and market trends that may impact the credit profiles of banking and insurance issuers
• Attend meetings with banks, insurance companies, investors, regulators, and other market participants while leveraging digital and AI-enabled tools to enhance analytical efficiency and insight generation

As a Ratings Associate within the Financial Institutions Group (Insurance and Banking), you will support credit rating and research activities across international markets, working closely with experienced analysts in each sector.

• Support Credit Rating Analysts in the analysis, assignment, and monitoring of credit ratings for banks, insurance companies, and other financial institutions
• Analyze financial statements, regulatory filings, capital adequacy, asset quality, earnings performance, liquidity, funding profiles, and risk management frameworks of banking and insurance issuers
• Evaluate business models, competitive positioning, regu