Credit Risk (Risk Management) : Job Level - Associate

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, operational, model and other risks.

Background on the Position

The role is within the FRM's Credit Risk Management department as part of the Fixed Income Lending Credit team, dedicated to supporting the Firm's Securitized Products Lending and Fixed Income financing business. The business coverage includes portfolio management of the collateral referenced in highly structured lending facilities across a wide range of financial assets including leveraged loans, aircraft and investment companies.

Primary Responsibilities

The principal responsibilities of the role include monitoring the financial health and cash flow of companies that have been securitized, airlines and financial investment entities whose financial obligations are the primary sources of repayment of debt.

Fulfillment of these responsibilities involves:

- Monitoring of the financial health of financial obligors including internal risk appetite and concentration risk
- Assist in the development of portfolio stress scenarios for various asset classes in relation to current market environment
- Present Credit Senior management for discussion portfolio risks and issues for current and new transactions
- Development of monitoring reports to be presented on a monthly and ad hoc basis to Credit senior management.

Experience

- Bachelor's degree required, Master's degree preferred
- Minimum 3-7 years of work experience
- Experience in evaluating lending transactions including cashflow modeling and stress analysis
- Expertise across general industries or real estate, specific industry expertise in aerospace, or technology would be beneficial
- Strong presentation skills
- Ability to work under pressure, balancing multiple deliverables
- Strong interpersonal skills with demonstrated leadership and the ability to work effectively in a collaborative environment

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.

To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.

Expected base pay rates for the role will be between $100,000 and $140,000 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

Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees.

It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law.