Credit rating model

Monkeys,

does anyone happen to have a credit rating model that i could get my hands on? I'd like to see how the big rating agencies actually rate companies and how IBs try to predict the ratings so i'd appreciate any hints on where I could find a working model. something like macabacus would be great but i could not find anything online. if you don't wanna share it publicly please just PM me. thx.

9 Comments
 

in4 1

Still not sure if I want to spend the next 30+ years grinding away in corporate finance and the WSO dream chase or look to have enough passive income to live simply and work minimally.
 

My internship just ended so I no longer have access, but Moody's made available to everyone who had the basic subscription their methodologies for rating companies within different industries (I think they had something like 50-60 different industries).

Here is a link to an old one for life insurers. The newly published one assign weighting to each factor.

http://www.moodys.com.br/brasil/pdf/2005800000427794.pdf

For S&P you had to pay extra for that (so I was not able to use S&P).

 

If you create a (free, Im pretty sure it is) account on Moodys.com you can browse their ratings methodologies documents which are sorted by industry/region.

Its basically a 20-75 page document that talks in depth about the industry and various factors impacting a firm's creditworthiness and position within that market. They then go on to outline their methodology for rating the firm. So they'll basically give you a pretty thorough outline of how they come up with their ratings. That should be just about all you need to create your own credit rating model based on Moody's methodology. Which, IMO, is a much better learning tool/experience as it will make you actually think about what you're doing and create a model based on the methodology to come up with a reasonable result. You can also compare your result with the current corporate rating Moody's prescribes to a given firm to see how close you are.

http://v3.moodys.com/Pages/rr003006001.aspx?bd=4294966628&rd=4294966628…

 

At explicabo dolor esse omnis. Facere qui est laudantium est vel et aspernatur. Vel quasi iusto aut molestiae consequatur. Sapiente aut commodi ipsam dignissimos.

Commodi nostrum mollitia ad id ut. Dolorum ut qui libero occaecati rem dicta. Quo iure eveniet tempora ut inventore eaque dolorem suscipit.

Aut eos est id enim ut magni eveniet enim. Quibusdam et illo quaerat mollitia deleniti et et. Qui odit ratione eius beatae quia numquam minus.

Career Advancement Opportunities

July 2026 Investment Banking

  • Evercore 01 99.4%
  • Moelis & Company 01 98.9%
  • JPMorgan 01 98.3%
  • Guggenheim Partners 01 97.7%
  • Morgan Stanley 07 97.1%

Overall Employee Satisfaction

July 2026 Investment Banking

  • Moelis & Company No 99.4%
  • Evercore No 98.9%
  • Morgan Stanley 01 98.3%
  • BMO Capital Markets 13 97.7%
  • Banco Santander 01 97.1%

Professional Growth Opportunities

July 2026 Investment Banking

  • Evercore 01 99.4%
  • Moelis & Company 01 98.9%
  • Morgan Stanley 06 98.3%
  • Goldman Sachs 01 97.7%
  • JPMorgan 01 97.1%

Total Avg Compensation

July 2026 Investment Banking

  • Vice President (16) $429
  • Associates (46) $258
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (22) $179
  • Intern/Summer Associate (14) $159
  • 1st Year Analyst (80) $150
  • Intern/Summer Analyst (73) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
kanon's picture
kanon
99.0
3
Secyh62's picture
Secyh62
99.0
4
BankonBanking's picture
BankonBanking
99.0
5
GameTheory's picture
GameTheory
98.9
6
Betsy Massar's picture
Betsy Massar
98.9
7
DrApeman's picture
DrApeman
98.9
8
dosk17's picture
dosk17
98.9
9
CompBanker's picture
CompBanker
98.9
10
Linda Abraham's picture
Linda Abraham
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”