Analyst - WM Coverage, Credit Risk (Firm Risk Management)

Morgan Stanley

Wealth Management Coverage, Credit Risk - Analyst

Profile Description

We’re seeking someone to join our team as a [Analyst] in [WM Coverage, Credit Risk team who will be responsible for coverage of Commercial Real Estate (CRE) transactions, under the WM Risk-Tailored Lending business that is secured on all property types. The principal responsibilities include managing a rapidly growing portfolio of existing loans, monitoring ongoing portfolio management activities and evaluating new loans/transactions or collateral additions].

Firm Risk Management

In the Firm Risk Management division, we advise businesses across the Firm on risk mitigation strategies, develop tools to analyze and monitor risks and lead key regulatory initiatives.

Company Profile

Morgan Stanley is an industry leader in financial services, known for mobilizing capital to help governments, corporations, institutions, and individuals around the world achieve their financial goals.

Since 1935, Morgan Stanley is known as a global leader in financial services, always evolving and innovating to better serve our clients and our communities in more than 40 countries around the world.

What You’ll Do In The Role

The primary responsibilities of the role include, but are not limited to the following:

• The successful candidate will be responsible to-
• Monitor and manage new loans & existing portfolio of CRE transactions including periodic reporting of risk profiles, trends, industry developments and concentrations.
• In conjunction with the Sr. Credit Officer, prepare Annual Reviews, Quarterly Reviews, monitor the ongoing financial condition and performance of the Borrower.
• Perform a thorough credit analysis on borrowers' financial health, risk rating and collateral analysis.
• Presentation to Credit Senior management, the Firm's Credit Committee, and other internal and external stakeholders
• Maintain frequent communication with Sr. Credit Officers regarding the financial condition of Borrower(s) and compliance with reporting requirements. Keep current on major developments and changes in financial condition and identification of risks.
• Ensure loan documentation accurately represents the terms of the loan approval and permits Morgan Stanley to enforce its rights on the collateral in a default situation. Review credit approval memos for compliance with firm's credit policy and philosophy.
• Identify early warning signals in deteriorating credits. Perform regular financial, credit and lien checks. Check for covenant compliance. Make timely recommendations regarding changes in credit classification and risk rating. Advice Sr. Credit Officers on remedial action plans as needed.
• Work with Sr. Credit Officers to maintain and update files in an orderly and timely fashion. Manage all requests within stated turn times unless justified as an exception. Manage expectations through active communication with Sr. Credit Officers.
• Must escalate material individual relationship or portfolio observations promptly to Sr. Credit Officers
  
  

Skill Set

What you’ll bring to the role:

• Experience in commercial real estate lending and credit underwriting
• Have a good knowledge of transaction structures, documentation, and the lending process
• Detail orientated and highly motivated.
• Strong organizational and analytical skills and the ability to effectively summarize findings, both verbally and in writing, in a clear and concise manner.
• Strong relationship management and possess good oral and written communication skills
• Ability to meet deadlines while managing multiple deliverables with limited supervision.
• Good collaboration skills in a team-oriented environment.
  
  

Qualifications/Criterion

• Master's degree in finance required. CFA/FRM added advantage.
• 1-3 years (for Analyst) / 3-6 years (for Associate) of experience in commercial real estate lending and credit underwriting
• Experience at a global organization handling multiple priorities and different time zones.
  
  

What You Can Expect From Morgan Stanley

We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work.

Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.