.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 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).- 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