Good employer, not much development options - Ratings Associate Moody's Employee Review

- PTO - Work life balance - Tech focused - Pay is reasonably competitive

- 401k match is just OK - No stock RSUs

- Good company wide culture (see notes below on ratings specific culture) good people - Great work life balance (especially for finance in NYC) - Opportunity to learn from most of the c-suite - If you want the return offer you can usually get it (only know one person from my year who wanted one and didn't get one). - The ratings intern program is essentially gauging if your competent to extend a return offer. You don't actually do much work for your team.

- Can't touch anything an actual associate does because of regulations in industry (don't get exposure with what you'll actually be doing full time). - Because you can't touch anything you basically spend the entire summer being talked at by senior analysts (learned a ton but can get repetitive). - Hybrid schedule is only really adhered to by associates on your team, so the office feels deserted at times. The seniors don't come into the office much. The ratings floors (separate from the rest of the business) have a stale and silent feeling. - Because you don't really do much for your team it's hard to create relationships with them. - Your capstone project can be on a completely different industry then the one you're assigned to.