# Ratings Associate - Financial Institutions Group [Moody](https://www.jorb.ai/firms/moody.md) · Singapore · [Research](https://www.jorb.ai/jobs/research.md) Moody is hiring a Ratings Associate - Financial Institutions Group in Singapore. Posted 2026-08-17; applications close 2026-10-16. **Apply**: https://careers.moodys.com/en/job/singapore/ratings-associate-financial-institutions-group/49841/99460862320 Posted 19d ago. ## Role details At Moody’s, we unite the brightest minds to turn today’s risks into tomorrow’s opportunities. We strive to create an inclusive environment where everyone feels welcome and empowered to exchange ideas, think innovatively, and listen to each other and our customers in meaningful ways. 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. If you are excited about this opportunity but do not meet every single requirement, please apply. You may still be a great fit for this role or other open roles. We seek 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 - 1–2 years of relevant working experience - Good understanding of the banking sector and credit market - Fluent in English; knowledge of other Asian languages is a bonus - Solid 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 willingness to develop awareness of responsible AI practices, including risk management and ethical use ## Education - Undergraduate degree required. Postgraduate (Masters, MBA) and other professional certifications (CPA, CFA) are a bonus. ## About the Role The Ratings Associate (RA) will work with Lead Analysts in conducting 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. RAs will actively participate in rating committee discussions and interact with issuers and other market participants, in collaboration with Lead Analysts. The RA role is integral to Moody’s focus on ratings accuracy, research, and market outreach. The role will focus primarily on banks and non-bank financial institutions in South and Southeast Asia, with potential cross-training in other rating groups. ## Responsibilities ### Portfolio Management - Performs day-to-day credit analysis related to ratings, research, presentations, and investor outreach, including: - Reviewing financial statements and charts, analyzing data and financial statements, building and updating financial forecasts, and writing analytical commentary in accordance with Moody’s methodologies - Assisting with proprietary models and new financial projections as applicable, identifying trends in data, and applying analytical skills and judgment to form well-reasoned credit conclusions - Developing working knowledge of credit fundamentals by reviewing components such as transaction documentation, cash flow analysis, or loss allocation rules - Preparing first drafts of rating committee memos in collaboration with Lead Analysts - Attending and participating in rating committee meetings, including offering analysis and opinion where appropriate - Develops strong working knowledge of Moody’s methodologies and credit rating best practices, applying these with moderate guidance - Understands and identifies key factors that affect issuer credit ratings, and engages with issuers directly for follow-up clarification and information - May complete Credit Estimates to assess elements of credit risk in certain rated transactions ### Research & Investor Outreach - Contributes to first draft of core research (e.g., credit opinions, issuer and sector comments, press releases, pre-sale and new issue reports) in collaboration with Lead Analysts - Contributes to research strategy, including idea generation and preliminary drafting, adhering to Moody’s research standards - Attends investor briefings and issuer meetings as required; helps prepare presentation materials and arrives prepared to engage in discussions - Builds positive relationships with issuers by demonstrating initiative to understand the issuer’s business and proactively responding to issuer enquiries ### Credit Administration - Operates internal systems and software specific to the rating group - Constructs and takes ownership of analytical databases as applicable. Identifies issues with data for follow-up with Lead Analysts - Demonstrates thorough understanding and judgment in applying Moody’s processes, documentation standards, and best practices, adhering to all laws and policies - Ensures compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required, and completes mandatory training in a timely manner ### Coaching & Guidance - Provides clear, concise, and constructive guidance in the delegation of work to support teams - Actively manages the workload pipeline to provide sufficient time for completion, and seeks guidance from the Ratings Associate Team Manager (RATM) where needed to determine how to allocate work ## Applying to this role This Ratings Associate - Financial Institutions Group 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=6a9ab32105a2e5aca070d22b) ## More open roles at Moody - [Data Quality Associate](https://www.jorb.ai/jobs/6a9a0a5e5387ec2fda932d0f.md) – New York, posted 10d ago - [Sales Development Rep](https://www.jorb.ai/jobs/6a98809834d54009b81a782e.md) – New York, posted 22d ago - [Economics Summer Intern](https://www.jorb.ai/jobs/6a999a1f88e33a86675f055a.md) – Singapore, posted 1mo ago - [Working student corporate finance group (Hong Kong - 12 months)](https://www.jorb.ai/jobs/6a9aeb5abf0eb942683a010c.md) – Hong Kong, posted 1mo ago - [Sales Development Representative (German Speaker)](https://www.jorb.ai/jobs/6a8481f1a1d926413badb18e.md) – London, posted 2mo ago ## Other open Research roles - [2027 AlphaWise Summer Associate Program (New York)](https://www.jorb.ai/jobs/6a8f47054556ef046de32177.md) at [Morgan Stanley](https://www.jorb.ai/firms/morgan-stanley.md) – New York, posted 9d ago - [2027 Equity Research Summer Internship Programme - London](https://www.jorb.ai/jobs/6a9617b810db3bc9bc91de03.md) at [Jefferies](https://www.jorb.ai/firms/jefferies.md) – London, posted 4d ago - [2027 Equity Research Spring Week Programme - London](https://www.jorb.ai/jobs/6a9617b810db3bc9bc91de0f.md) at [Jefferies](https://www.jorb.ai/firms/jefferies.md) – London, posted 4d ago - [2027 UK Rothschild & Co Redburn Research Summer Intern programme - London](https://www.jorb.ai/jobs/6a861a69fd6e7eb7e012a852.md) at [Rothschild & Co](https://www.jorb.ai/firms/rothschild-co.md) – London, posted 17d ago - [Global Markets Research Intern](https://www.jorb.ai/jobs/6a99621e208888e9339c4949.md) at [MUFG](https://www.jorb.ai/firms/mufg.md) – Singapore, posted 2d ago --- Updated: 2026-09-05 Canonical: https://www.jorb.ai/jobs/6a9ab32105a2e5aca070d22b