.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.Moody's is a global integrated risk assessment firm that empowers organizations to make better decisions.At Moody's, we're taking action. We're hiring diverse talent and providing underrepresented groups with equitable opportunities in their careers. We're educating, empowering and elevating our people, and creating a workplace where each person can be their true selves, reach their full potential and thrive on every level. Learn more about our DE&I initiatives, employee development programs and view our annual DE&I Report at moodys.Com/diversityDescriptionThe Rating Associate will work with lead analysts in assigning and monitoring credit ratings; researching, drafting, and publishing research; and other activities. The Rating Associate will perform an evaluation of credit risk by integrating credit risk inputs prepared by internal and external parties. In conducting credit analysis for their assigned credits, transactions, or credit reviews. The Rating Associate are expected to participate in rating committee discussions and interact with issuers and other market participants, in collaboration with lead analysts.The Rating Associate role is integral to Moody's focus on ratings accuracy, research, and market outreach. The Rating Associate role will typically focus primarily on one rating group- Corporate Finance Group, with the potential for cross-training in and/or work for other rating groups.ResponsibilitiesPortfolio Management & Credit QualityWorking with lead analysts by performing day-to-day credit analysis related to ratings, research, presentations, and investor outreach. Examples of analytical work may include:* Reviewing financial spreadsheets and charts, 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.* Developing a working knowledge of credit fundamentals through a review of components such as transaction documentation, cash flow analysis, or loss allocation rules.* Performing analytical tasks related to portfolio reviews and other credit projects.* Developing a working knowledge of Moody's methodologies and credit rating best practices, and applying these with guidance from lead analysts.* Collaborating with lead analysts in preparing the first draft of rating committee memos.* Developing the ability to understand and identify key factors that affect issuer credit ratings
