Ratings Associate

Job Description

The Ratings Associatewill work with lead analysts in assigning and monitoring credit ratings researching, drafting, and publishing research and other activities. The Ratings Associatewill 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 Ratings Associateis expected to participate in rating committee discussions and interact with issuers and other market participants, in collaboration with lead analysts.Portfolio 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 documents and charts, analyzing data and financial documents, building and updating financial forecasts, and writing analytical commentary in accordance with Moodys 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 Moodys methodologies and credit rating standard processes, 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. Interpreting and analyzing financial data and other credit inputs provided by internal and external parties.
• Monitoring credit quality and issuer and/or industry trends by following market developments and relevant news events, analyzing issuer reporting (including, in some rating groups monitoring and attending earnings calls, and engaging with issuers directly for follow-up clarification and information.
• Attending and participating in rating committee meetings, including, offering analysis and opinion where appropriate. Preparing credit estimates analysis used to assess elements of credit risk in certain rated transactions.

Research, Investor Outreach & Market Interaction

• Contributing to the first draft of core research (such as credit opinions, issuer and sector comments, press releases, pre-sale, and new issue reports in collaboration with lead analysts.
• Contributing to research strategy, including idea generation and preliminary drafting, and adhering to Moodys research standards.
• Attending investor briefings and issuer meetings as required helping prepare presentation materials in some cases arriving prepared to engage in discussions.
• Building positive relationships with issuers displaying initiative to understand the issuers business and proactively responding to issuer inquiries.

Credit Administration

• Operating applicable ratings and research systems and using software specific to the rating group.
• Demonstrating sound understanding and judgment in applying Moodys processes, documentation standards, and standard processes, and adhering to all laws and policies.

Coaching & Guidance

• Providing guidance in the delegation of work to the data processing team.
• Actively handling workload pipeline to provide sufficient time for completion. Seeking guidance from the manager where needed to resolve how to prioritize work.
• Providing feedback to the manager on the quality and accuracy of work produced by the data processing team, while providing constructive and proactive feedback.

Risk Identification and Escalation

• Ensure compliance with applicable laws, regulations, policies, and procedures to certify relevant key codes as required. Complete mandatory required training in a timely manner.
• Awareness of Moodys risk management approach.
• Increase awareness of cyber risks and avoidance of vulnerabilities e.g., e-mail use (phishing malware.
• Ensure high quality of work free errors.

The Ratings Associaterole is integral to Moodys focus on ratings accuracy, research, and market outreach. The Ratings Associaterole will typically focus primarily on one rating group, with the potential for cross-training in and/or working for other rating groups.Experience / Qualifications

• Minimum undergraduate/first-level degree (e.g. Bachelors Degree, or equivalent qualifications with strong academic performance (in the US, minimum GPA of 3.0.
• Some relevant experience (including internships is preferred.
• Excellent verbal, written communication, and interpersonal skills.
• Proficient in MS Excel, Word, and PowerPoint
• Proactive and able to work effectively in a collaborative team environment.
• Strong organization skills, analytical thinking, and attention to detail.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
• Some understanding of fixed income markets and/or credit knowledge is preferred.

Additional Experience

• Economic research or relevant credit research experience preferred.
• Strong knowledge of macroeconomic principles.
• Financial/statistical research capabilities.

Education

• Strong academic background in Economics or International Relations Finance, International Business, and/or Public Administration.
• Graduate degree or equivalent preferred.

Years of Experience (specific1+ years of relevant experience in the financial sector, government, or consulting preferredRatings & Research SupportMoodys 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.Moodys is a developmental culture where we value candidates who are willing to grow. So, if you are excited about this opportunity but dont meet every single requirement, please apply! You may be a perfect fit for this role or other open roles. Moodys is a global integrated risk assessment firm that empowers organizations to make better decisions.At Moodys, were taking action. Were hiring diverse talent and providing underrepresented groups with equitable opportunities in their careers. Were 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

Keyskills :
Credit Analysis Credit Risk Analytical Skills Financial Data Credit Quality cash flow analysis

About Company

Moodys is a developmental culture where we value candidates who are willing to grow. So, if you are excited about this opportunity but dont meet every single requirement, please apply! You may be a perfect fit for this role or other open roles. Moodys is a global integrated risk assessment firm that empowers organizations to make better decisions. At Moodys, were taking action. Were hiring diverse talent and providing underrepresented groups with equitable opportunities in their careers. Were 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/diversity