Moody's is a developmental culture where we value candidates who are willing to grow. So, if you are excited about this opportunity but don't meet every single requirement, please apply! You may be a perfect fit for this role or other open roles.

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　　The Ratings Associate will conduct comprehensive analysis on an assigned portfolio of ratings/credits. The Ratings Associate will perform holistic evaluations of credit risk by integrating credit inputs prepared by others, including Financial Data Analysts (FDAs), RRS Associates and external parties. In conducting credit analysis for their assigned portfolios, transactions or credit reviews, Rating Associates will actively participate in rating committee discussions and interact with issuers and other market participants, in collaboration with Lead Analysts. This role is integral to Moody's focus on ratings accuracy, research and market outreach. The AA3 role will focus primarily on one Line of Business (LOB)with the potential for cross-training in other LOBs

　　As a Ratings Associate you will:Receive analytical and professional onboarding plus on-going training, with a potential to selective cross-training in different asset classes or sectors.Support senior lead analysts with financial modeling and preparation of rating committees, publications such as press releases, credit opinions, research and investor outreach materials.Interact with bond issuers and arrangers and present your analysis in credit committeesWork on global or cross LOB projects, as opportunities arise.Be mentored by senior lead analysts to further develop your analytical skills.A dedicated Ratings Associate team manager (AATM) will support and track progress on your career development goals, by providing timely coaching and career guidance.Key Responsibilities:

　　Portfolio ManagementPerforms day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work produced include:Reviewing financial spreadsheets and charts prepared by others, 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.Reviewing transaction documents and building knowledge of cash flow and loss allocation rules (if applicable to LOB).Develops strong working knowledge of Moody's methodologies and credit rating best practices, applying these with guidance from Lead Analysts.Prepares first draft of rating committee memos, in collaboration with Lead Analysts.Demonstrates the ability to understand and identify key factors that affect issuer credit ratings.Interprets and analyzes financial data and other credit inputs provided by others e.g. FDAs and RRS Associates.Monitors credit quality and issuer and/or portfolio trends by following market developments, analyzing issuer reporting, and engaging with issuers directly for follow-up clarification and information.As applicable to the LOB, monitors and attends earnings calls of companies within assigned portfolio, including monitoring relevant news events.Attends rating committee meetings and is encouraged to participate, including offering analysis and opinion where appropriate.May complete Credit Estimates used to assess elements of credit risk in certain rated transactions.Research & Investor OutreachPrepares first draft of core research as applicable to the LOB e.g. credit opinions, issuer and sector comments, press releases, pre-sale and new issue reports etc. 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; may help prepare presentation materials; arrives prepared to engage in discussions.Builds positive relationships with issuers - displays initiative to understand the issuer's business and proactively responds to issuer enquiries.Credit AdministrationPerforms analytical tasks related to portfolio reviews and other credit projects (e.g. liquidity scrubs).Operates applicable ratings and research systems and utilizes software specific to the rating group. Identifies all issues with data for follow up with Lead Analyst.Demonstrates sound understanding and judgment in applying Moody's processes, documentation standards and best practices, adhering to all laws and policies.Coaching & GuidanceProvides clear, concise and constructive guidance in the delegation of work to Associates (if applicable), actively managing workload pipeline in order to provide enough time for completion. Seeks AATM guidance where needed to determine how to allocate work.Provides feedback to AATM on the quality and accuracy of work produced by Associates, along with providing constructive and proactive feedback to Associates and FDAs.

　　Qualifications :

　　Bachelor's degree or equivalent in Finance, Accounting, Economics, Actuary or a business-related disciplineBackground in accounting with primary focus in financial analysis (e.g., through coursework, CFA (or equivalent), or relevant work experience).Knowledge in Financial StatementsDemonstrates basic knowledge of MS Excel, Word and PowerPoint.Experience in coding languages (Python, SQL, etc.) is preferred.Solid verbal, written communication and interpersonal skills.Ability to adapt to a changing environment and prioritize tasks accordinglyHigh attention to detailExperience working collaboratively on teams through coursework, extracurricular activities, jobs and internships, particularly where leadership or coaching skills were demonstrated

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　　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.

　　For more information on the Securities Trading Program, please refer to the STP Quick Reference guide on ComplianceNet

　　Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee's tenure with Moody's.