.Moody's is a global integrated risk assessment firm that empowers organizations to make better decisions.**Description**:- 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**Responsibilities**:**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 committees- Work 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 Management- Performs 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.- Reviewing transaction documents and building knowledge of cash flow and loss allocation rules (if applicable to LOB).Research & Investor Outreach- Prepares 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