Moody’s credit analysis seeks to incorporate all issues that can materially impact credit quality, including ESG and climate risk. In 2020, we published an updated ESG cross-sector methodology that introduced two types of ESG Scores - Issuer Profile Scores (IPS) and Credit Impact Scores (CIS) – that provide greater transparency about how we incorporate ESG considerations into our credit ratings.
In this webinar, Moody’s analysts will review the newly issued scores for select issuers and transactions and provide key highlights from its analysis about the impact of ESG on credit.
- How do the scores enhance integration of ESG considerations into credit ratings?
- Which case studies exemplify each end of the 1-5 scale?
- What underlying data sources were used in the methodology?
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SpeakersJanice Hofferber Managing Director - Head of US Public Finance Moody's Ratings
Maria Iarriccio Vice President-Senior Credit Officer, Corporate Finance Moody’s Ratings
Gunjan Dixit Senior Vice President – EMEA Head of Strategy & Business Management Moody's Ratings
John Puchalla Associate Managing Director, Corporate Finance Moody's Ratings
Linda Montag Senior Vice President Moody's Ratings
Paolo Leschiutta Senior Vice President, Corporate Finance Moody’s Ratings
Daniel Harlid Vice President - Senior Credit Officer, Corporate Finance Moody's Ratings
Adam McLaren Vice President - Senior Analyst, Corporate Finance Group Moody’s Ratings
Jacintha Poh Associate Managing Director Corporate Finance, Moody's Ratings
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Janice Hofferber is Head of US Public Finance for Moody’s Ratings overseeing ratings and research for over 12,000 State and Local Governments, Hospitals, Higher Education institutions, Charter Schools and other tax-exempt obligors.
Prior to this role, Janice was a Managing Director in the North America Corporate Finance Group leading analytical teams covering over 500 investment grade and high yield issuers in the Real Estate, Consumer, Retail, Gaming, Lodging, Apparel and Restaurant sectors since 2013.
In addition, Janice is a leader in several company wide initiatives including spearheading Moody’s efforts to deliver globally consistent and high-quality market and customer engagements, acting as an Ambassador for Ratings and Research support to improve recruitment and training for Moody’s young credit professionals. Janice is an active supporter of Moody’s inclusion efforts and served as the cochairperson of the Policy and Recruiting committee for the Veteran’s BRG where she helped to lead important changes to Moody’s leave policies for employees.
Janice also brings a wealth of knowledge from other senior positions held over the 25 years she worked in the investment banking fixed income and equity analytics sectors. She served in leadership positions at Fulcrum Global Partners, an independent equity research boutique, was a Director of Equity Research at Van der Moolen, the NYSE Specialist firm and served as Vice President in mergers and acquisitions and investment banking at JP Morgan Chase.
Janice holds a LEAD Certificate from Stanford University School of Business, an MBA in Finance from NYU, a BA in Psychology from Rutgers University and is a Chartered Financial Analyst.
Maria Iarriccio is a Vice president – Senior Credit Officer in the Corporate Finance Group at Moody’s Investors Service. Maria is a lead analyst responsible for a portfolio of companies in the U.S. consumer beverage, durables and tobacco sectors covering both investment grade and high yield credits.
Prior to joining Moody’s in February 2019, Maria worked for more than two decades in corporate and investment banking as a portfolio manager spanning many industries including consumer products, durables, aerospace, defense, transportation, chemicals, industrial, automotive, healthcare, retail, food & beverage, building products, packaging, and travel & leisure. During her spare time, Maria manages a not-for-profit organization promoting the athletic development of children in the figure skating discipline.
Maria holds an M.B.A. in finance and investment management from Pace University, and a B.A. in Mathematics from Fordham University.
Gunjan Dixit is Senior Vice President –Head of Strategy & Business Management for the EMEA (Europe, Middle East, and Africa) region at Moody’s Ratings, based in London.
In this role, Gunjan works in close partnership with the EMEA leadership team to drive strategic initiatives, enhance operational effectiveness, and foster cross-functional collaboration. Her focus is on aligning regional priorities with Moody’s Ratings’ global objectives and supporting the continued evolution of the business across EMEA.
Before stepping into her current role in June 2025, Gunjan spent nearly two decades in Moody’s EMEA Corporate Finance Group (CFG), where she developed deep expertise in both high-yield and investment-grade credit. As a seasoned lead analyst, she covered a wide range of industry sectors, authored influential research, contributed to the development of rating methodologies, and played a pivotal role in advancing several strategic initiatives such as ESG integration and process innovation. She also served as an established Ratings Committee Chair, known for her analytical rigor, collaborative leadership, and ability to navigate complex challenges.
Prior to joining Moody’s, Gunjan was Manager of Corporate Credit Operations at the Export-Import Bank of India in Mumbai. She holds an MSc in International Finance and Investments from London, where she received the Outstanding Student Award. She is also a Gold Medalist in her MBA and a Chancellor’s Medal recipient in her B.Com, both completed in India.
John Puchalla is an Associate Managing Director in the New York office of Moody’s Ratings. He is responsible for the Consumer Products & Gaming team within Moody's US Corporate Finance Group. Prior to his current assignment, John managed Moody’s High Yield Team. Previously, John was as a full-time Rating Committee Chair, managed the Credit Estimates team and led research on defaults and liquidity. John has covered a variety of corporate sectors at Moody’s including consumer products, media and entertainment, broadcasting and cable, publishers and amusement parks. John originally joined Moody’s in 1997 as a member of the Economics Analysis group evaluating trends in global corporate credit quality and credit markets until transferring to the Corporate Finance Group in 2002. Prior to joining Moody’s, John held various positions at Nasdaq and MNC Financial. John holds a M.B.A. in finance, economics and international business from New York University, a B.S. in finance from Penn State University, and is a CFA charter holder
Linda Montag is a Senior Vice President in Moody’s Ratings Retail and Consumer Goods Group. Currently, she has responsibility for companies in the consumer goods, beverage, and food industries. Since joining Moody’s, Linda’s responsibilities have also included analysis of retailers, packaging companies, consumer and diversified finance companies, asset management companies and retail broker-dealers as well as German, Austrian and Swiss Banks.
Prior to joining Moody’s, Linda had 12 years commercial banking experience including assignments in domestic retail systems conversions, domestic and international credit departments, international credit liaison function, and foreign financial institutions account relationship officer at Mellon Bank NA. She was also Vice President of loan syndications and corporate lending while at Landesbank-Hessen-Thüringen.
Linda has a BA in Business Administration and German from Grove City College and pursued German language studies at the University of Hamburg, Germany.
Paolo Leschiutta is a Senior Vice President in the European Corporate Finance Team of Moody’s in Milan. Paolo joined Moody’s London in 2000 and Moody’s Italia in July 2005. Paolo has lead responsibility for a portfolio of European high yield and investment grade packaged goods companies with focus on Food and Beverage industries. Over its tenure at Moody’s Paolo has covered a number of sectors within the broad consumer products and transportation industries including Postal, Tobacco, Shipping, Retail and Consumer Durable companies across Europe.
Prior to re-joining Moody’s in Italy, Paolo worked as a Senior Credit Analyst at MFC Global Investments, part of Manulife Group in London, covering European Corporates. Paolo graduated in Economics at the University of Turin and holds an MSc in Finance attended at the S.A.A., part of the University of Turin, and the Stern School of Business, part of the NYU.
Daniel Harlid is a Vice President - Senior Credit Officer in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is responsible for a portfolio of investment grade and sub-investment grade companies within the European container shipping sector as well as in the logistics industry. Additionally, he covers investment grade issuers in the Nordic manufacturing sector. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets.
Adam McLaren is a Vice President – Senior Analyst in Moody’s Ratings Corporate Finance Group responsible for a portfolio of speculative-grade and investment-grade Gaming companies. Adam was previously on the Retail, Restaurants, Gaming and Lodging team covering a portfolio of restaurant and retail industry companies. Prior to that, he covered a portfolio of companies in various industries including Healthcare Services, Automotive Suppliers, and Business and Consumer Services. Prior to joining Moody's, Adam worked at a predecessor of TD Bank where he completed a formal credit training program and worked in the middle market lending group as a credit analyst. Adam holds a B.S. in finance from the Pamplin College of Business at Virginia Tech.
Jacintha Poh is an Associate Managing Director for the Corporate Finance Group at Moody's, based in Singapore. She leads a team of analysts who are responsible for Moody's nonfinancial corporate ratings and research in the South and Southeast Asia region.
Jacintha joined Moody's in 2012 taking several Lead Analyst roles, where she demonstrated her ability to execute complex analyses across a diverse range of sectors, including real estate, hospitality, and investment holding companies.
Before joining Moody's, Jacintha worked for Lion Global Investors, where she served as a Credit Analyst on the Fixed Income team. Jacintha holds an honors BSc in Accounting and Finance from the University of London.