Credit Risk (Risk Management) : Job Level - Associate

Associate, Credit Risk Management - Securitized Products Group

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 FRM Credit Risk Management - Securitized Products Group's Fixed Income Division Secured Lending (FSL) team is seeking an Associate. The responsibilities of this role include evaluating credit risk on Commercial Real Estate (CRE) warehouse facilities and pledged collateral, reviewing loan structures for suitability, and assessing risk mitigation measures. The position also involves working with the business unit to incorporate credit risk assessments into business decisions.

Primary Responsibilities :

• Oversee credit coverage of the CRE warehouse lending portfolio, including assessing underlying collateral loans and providing recommendations for approval.
• Independently manage and evaluate new facility originations, renewals, amendments, and loan modifications.
• Facilitate and lead critical meetings with key stakeholders, encompassing client due diligence, firm credit committees, and business unit discussions.
• Collaborate with both internal and external parties, including regulatory agencies and internal audit teams.
• Monitor portfolio financial performance and credit risks, preparing ad-hoc reports for senior management as needed.
• Perform quantitative and qualitative analyses utilizing various CRE databases (such as CoStar, Intex, and Greenstreet).
• Support training and development initiatives for junior team members.

Experience :

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.

Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M / F / Disability / Vet).