# Ratings Associate, Banking (Mandarin Chinese Speaker) [Moody](https://www.jorb.ai/firms/moody.md) · Hong Kong · [Research](https://www.jorb.ai/jobs/research.md) Moody is hiring a Ratings Associate, Banking (Mandarin Chinese Speaker) in Hong Kong. Posted 2026-05-05; applications close 2026-08-20. **Apply**: https://careers.moodys.com/en/job/hong-kong-sar/ratings-associate-banking-mandarin-chinese-speaker/49841/96920655168 Posted 2mo ago. ## Role details ## About Moody’s Moody’s unites global talent to turn today’s risks into tomorrow’s opportunities. The organization advances AI to move from insight to action, enabling intelligence that understands complexity and responds to it. ## About the Role The Ratings Associate (RA) will work with Lead Analysts to conduct 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 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 supports Moody’s focus on ratings accuracy, research, and market outreach. The position primarily covers banks and non-bank financial institutions in Greater China, with potential for cross-training in other rating groups. ## Responsibilities ### Portfolio Management & Credit Quality - Work with Lead Analysts on day-to-day credit analysis related to ratings, research, presentations, and investor outreach. - Review financial spreadsheets and charts; analyze data and financial statements; build and update financial forecasts; and write analytical commentary in accordance with Moody’s methodologies. - Assist with proprietary models and new financial projections as applicable; identify trends; and apply analytical judgment to reach well-reasoned credit conclusions. - Build a working knowledge of credit fundamentals by reviewing components such as transaction documentation, cash flow analysis, or loss allocation rules. - Perform analytical tasks related to portfolio reviews and other credit projects. - Develop proficiency in Moody’s methodologies and credit rating best practices, applying them with guidance from Lead Analysts. - Collaborate with Lead Analysts to prepare the first draft of rating committee memos. - Develop the ability to identify key factors affecting issuer credit ratings; interpret and analyze financial data and other credit inputs from internal and external parties. - Monitor credit quality and issuer and/or industry trends by tracking market developments and relevant news; analyze issuer reporting (including, for some rating groups, monitoring and attending earnings calls); and engage with issuers directly for follow-up clarification and information. - Attend and participate in rating committee meetings, offering analysis and opinions as appropriate; prepare credit estimates analysis used to assess elements of credit risk in certain rated transactions. ### Research, Investor Outreach & Market Interaction - Contribute to first drafts of core research (e.g., credit opinions, issuer and sector comments, press releases, pre-sale, and new issue reports) in collaboration with Lead Analysts. - Contribute to research strategy, including idea generation and preliminary drafting, while adhering to Moody’s research standards. - Attend investor briefings and issuer meetings as required; help prepare presentation materials in some cases; arrive prepared to engage in discussions. - Build positive relationships with issuers by demonstrating initiative to understand the issuer’s business and proactively responding to issuer inquiries. ### Credit Administration - Operate applicable ratings and research systems and use software specific to the rating group. - Apply Moody’s processes, documentation standards, and best practices with sound judgment; adhere to all relevant laws and policies. ### Coaching & Guidance - Provide guidance in delegating work to the data processing team. - Actively manage the workload pipeline to ensure sufficient time for completion; seek guidance from the manager when needed to prioritize work. - Provide feedback to the manager on the quality and accuracy of work produced by the data processing team, offering constructive and proactive feedback. ### Risk Identification and Escalation - Ensure compliance with applicable laws, regulations, policies, and procedures, including completing any required certifications and mandatory training in a timely manner. - Demonstrate awareness of Moody’s risk management approach. - Increase awareness of cyber risks and avoidance of vulnerabilities (e.g., email phishing and malware). - Ensure high-quality work free from errors. ## Skills and Competencies - 1–2 years of relevant working experience. - Good understanding of the banking sector and credit markets. - Fluent in Mandarin Chinese and English; knowledge of other Asian languages is a bonus. - Strong verbal, written communication, and interpersonal skills. - Enjoys engaging in teamwork 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 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 (minimum). Postgraduate study (Master’s, MBA) and other professional certifications (CPA, CFA) are a bonus. ## Applying to this role This Ratings Associate, Banking (Mandarin Chinese Speaker) role at Moody runs through the firm's own careers portal and expects a CV and cover letter written specifically for the posting, not a portable submission carried across firms. Jorb AI's application agent tailors a CV and cover letter from your background to this posting and tracks the role alongside the rest of your applications. [Tailor this application](https://www.jorb.ai/signup?ref=job-atom&firm=moody&job=6a5a111c4fdf75cb9ad945fb) ## More open roles at Moody - [Sales Development Representative](https://www.jorb.ai/jobs/6a348e8db7b9ea02097c14a1.md) – London, posted 1mo ago - [Administrative Assistant](https://www.jorb.ai/jobs/6a58233b664429c3b3c28971.md) – New York, posted 1mo ago ## Other open Research roles - [2027 Off-cycle Internship - Global Research - Hong Kong](https://www.jorb.ai/jobs/6a4b9a34dfc810946c26b51c.md) at [UBS](https://www.jorb.ai/firms/ubs.md) – Hong Kong, posted 15d ago - [2027 Off-cycle Internship - Global Research - Singapore](https://www.jorb.ai/jobs/6a4b9a34dfc810946c26b518.md) at [UBS](https://www.jorb.ai/firms/ubs.md) – Singapore, posted 15d ago - [Global Investment Research - Internship](https://www.jorb.ai/jobs/6a5d2e88907f368a9390e681.md) at [HSBC](https://www.jorb.ai/firms/hsbc.md) – Hong Kong, posted 9mo ago - [HOLT Sector Specialist](https://www.jorb.ai/jobs/6a4bd25f7e39d7ea5b588cb2.md) at [UBS](https://www.jorb.ai/firms/ubs.md) – New York, posted 15d ago - [Research, Equity Research - Pharmaceuticals](https://www.jorb.ai/jobs/6a5e471a8e079fdebb2e5f17.md) at [Morgan Stanley](https://www.jorb.ai/firms/morgan-stanley.md) – London, posted 2d ago --- Updated: 2026-07-22 Canonical: https://www.jorb.ai/jobs/6a5a111c4fdf75cb9ad945fb