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

ResponsibilitiesThe 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 TeamOur 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.