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. If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. We are seeking 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 Strong accounting and financial statement analysis skills, with understanding of key metrics for banking and insurance sectors. Ability to conduct financial and statistical research, including building, maintaining, and updating financial models and forecasts. Solid academic foundation in economics and finance with practical application to credit risk assessment. Excellent written and verbal communication skills in Spanish, with the ability to produce clear, structured credit narratives. English proficiency is a plus. Advanced proficiency in Excel and PowerPoint; basic knowledge of Python or other finance‑related programming languages is a plus. High attention to detail, strong organization skills, and ability to manage multiple priorities in a dynamic environment. Collaborative mindset, professional skepticism, adaptability to change, strong ethical standards, with some fixed income/credit knowledge as pluses. 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 Economics, Actuarial Science, Finance or related fields is required. Graduate/second level degree (Masters, MBA) or progress towards completion of the CFA program is a plus. No prior experience required; relevant internships or up to 1 year of experience in financial analysis, credit risk, banking, insurance, or related fields are a plus. Responsibilities The Associate ML will conduct ongoing credit analysis of financial institutions (banks, insurance companies, and SGR) in Argentina and Uruguay to support accurate ratings and market insight. Perform preliminary credit analysis to support ratings, research, outreach, and presentations under guidance from team leaders. Analyze financial statements and data, prepare spreadsheets and charts, build/update models and forecasts, and draft analytical commentary aligned with Moody’s Local methodologies. Identify data trends and apply analytical judgment to form preliminary credit conclusions. Collaborate closely with senior analysts on rating actions, publications, workflow improvements, and analytical best practices. Gather, prepare, and maintain financial information for issuers rated by Moody’s Local. Support credit monitoring and surveillance by updating analyses, preparing surveillance data, and escalating deeper reviews when needed. Develop and apply a working knowledge of Moody’s Local methodologies while ensuring data integrity, documentation, and compliance with controls. Work collaboratively with associates and lead analysts and perform routine administrative or ad hoc credit-related tasks as assigned. About the TeamThe Moody’s Local Financial Institutions team delivers high‑quality credit analysis and research for banks, insurers, and financial guarantors in Argentina and Uruguay. We work collaboratively across experience levels, combining strong local market knowledge with rigorous methodologies to support trusted credit opinions. Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law.Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody’s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.