Firm Risk Management
Firm Risk Management (FRM) supports Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, model and other risks.
The role will reside within the Firm Risk management's Credit Risk Management Department, on the Corporate Lending Credit Risk Team, which is responsible for the independent identification, evaluation, monitoring of credit risk associated with ISG corporate lending activities.
Morgan Stanley Credit Risk Management (CRM) seeks an Associate with three to five years of relevant experience. The specific position is within CRM's team covering multiple C&I sectors in the United States and is responsible for the timely and comprehensive completion of credit analysis, managing the relationship with the business unit, and presenting and defending credit recommendations to senior CRM management. CRM Associate also oversees the monitoring of the portfolio of existing clients within her/his industry coverage.
Primary Responsibilities- Conduct credit analysis and due diligence for corporate lending transactions, process transaction approval packages and present credit recommendations to senior CRM officers
- Review financial models' integrity and generate/review credit and downside cases
- Evaluate structure and terms in legal documentation in connect with the Leveraged Finance team
- Conduct portfolio management activities and monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions
- Collaborate with junior and senior staff on portfolio management and transaction approvals
- Review and draft documentation for regulatory reviews and exams
Requirements- Bachelor's degree with 3-5 years of work experience, preferably in Credit Risk Management, Investment Banking, or Corporate Finance
- Proven financial modeling experience with strong analytical skills
- Ability to effectively communicate with a wide range of stakeholders, both written and verbally
- Ability to work independently in a team-oriented environment
- Knowledge of leverage Finance and capital markets products
- Strong organization skills with an interest in working in a fast-paced environment, often balancing multiple high priority deliverables
- Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft office, including Excel, Power Point and Word)
- Advanced degrees and/or CFA certification are not required, but preferred
Expected base pay rates for the role will be between 100,000 and 140,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.
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