Ratings Associate

Skills and Competencies
Strong analytical and financial skills, including the ability to interpret financial statements and quantitative and qualitative information
Understanding of fundamental credit-analysis concepts and a demonstrated interest in financial institutions and capital markets
Ability to identify material credit trends and develop clear, evidence-based conclusions
Proficiency in Microsoft Excel, Word, and PowerPoint, including the preparation of financial analyses, forecasts, charts, and presentations
Strong written and verbal communication skills in Spanish and English, with the ability to explain complex analytical matters clearly and concisely
Strong attention to detail and ability to manage multiple assignments and deadlines
Intellectual curiosity, sound judgment, and a collaborative approach
Commitment to analytical quality, independence, integrity, and confidentiality
Experience with financial modeling, data analytics, visualization, automation, or AI-enabled productivity tools is preferred
Progress toward a relevant professional qualification, such as CFA or FRM, is beneficial
Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be used to 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 in finance, economics, accounting, business administration, or another relevant analytical discipline
Relevant experience in credit analysis, financial analysis, banking, insurance, investments, risk management, audit, consulting, accounting, or a related field is preferred. Previous specialization in a Financial Institutions Group subsector is not required
Responsibilities
The Ratings Associate supports credit analysis and ongoing monitoring of a diversified financial institutions portfolio within Moody's Local Mexico, working closely with Lead Analysts.
Perform credit analysis and ongoing monitoring of an assigned portfolio under the guidance of Lead Analysts
Analyze financial statements, regulatory information, business models, competitive positioning, risk profiles, and relevant market developments
Evaluate credit considerations such as asset quality, capitalization, profitability, funding, liquidity, risk management, and operating environment, as applicable
Build and maintain financial models, analytical scorecards, forecasts, peer comparisons, charts, and presentation materials
Identify emerging risks, credit trends, information gaps, and developments that could affect an entity's credit profile or rating
Apply Moody's Local methodologies, analytical frameworks, and documentation standards
Prepare rating committee materials and clearly articulate key credit strengths, risks, assumptions, and rating considerations
Present assigned analysis and contribute constructively to rating committee discussions
Support the documentation and completion of rating actions in accordance with applicable processes, controls, and regulatory requirements
Draft credit opinions, press releases, rating-action announcements, issuer comments, and sector research in collaboration with Lead Analysts
Monitor financial, regulatory, economic, and industry developments and contribute ideas for relevant credit research
Participate in meetings with rated entities and assist in preparing analytical agendas, discussion points, and follow-up questions
Participate, as appropriate, in investor briefings, industry events, and other analytical market-engagement activities
About the Team
Our Financial Institutions Group team at Moody's Local Mexico is responsible for delivering rigorous, independent credit analysis across a broad spectrum of financial sector entities, including banks, non-bank financial institutions, insurance companies, brokerage firms, asset managers, investment funds, and other financial-sector participants. By joining our team, you will be part of high-impact analytical work that contributes directly to Moody's ratings accuracy, market transparency, and research excellence in the Mexican and broader Latin American markets. We embrace a collaborative, intellectually curious culture where associates work alongside experienced Lead Analysts and are supported in growing their sector knowledge, technical expertise, and analytical judgment — with a growing focus on AI-enabled tools and innovation to drive smarter, faster insights.