Associate Analyst 3

Associate Analyst 3 (AA3) will conduct a comprehensive analysis of an assigned portfolio of ratings/credits. The AA3 will perform holistic evaluations of credit risk by integrating credit inputs prepared by others, including Financial Data Analysts (FDA), RRS Associates, and external parties. In conducting credit analysis for their assigned portfolios, transactions, or credit reviews, AA3s will actively participate in rating committee discussions and interact with issuers and other market participants, in collaboration with Lead Analysts.
The AA3 role is integral to Moody's focus on ratings accuracy, research, and market outreach. The AA3 role will focus primarily on the Financial Institutions Group (FIG), with the potential for cross-training in other Lines of Business (LOBs).
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 the 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 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 inquiries.
Credit Administration
- Performs 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 the Lead Analyst.
- Coaching & Guidance
- Provides clear, concise, and constructive guidance in the delegation of work to Associates (if applicable), actively managing workload pipeline in order to provide sufficient time for completion. Seeks Associate Analyst Team Manager (AATM) guidance were 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 FDA
- Minimum undergraduate/ first level degree in economics, accounting, engineering, business administration or similar (e.g. bachelor's degree, or equivalent qualifications).
- Preferably some relevant experience. (e.g. internship)
- Demonstrates knowledge of MS Excel, Word and PowerPoint.
- Solid verbal, written communication, and interpersonal skills
- English speaking and writing capabilities
- Python programming & Visual Basic for Applications knowledge is a strong plus
- Ability to adapt to a changing environment and prioritize tasks accordingly.
RRS
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.
Moody's Investors Service is among the world's most respected and widely utilized sources for credit ratings and research. Our opinions and analysis on a broad range of credit obligors and obligations are valued around the world for their insight and rigor.
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