Analyst/Associate - Wm Cre Credit Coverage Risk (Firm Risk Management)

Morgan Stanley

Credit Risk Coverage (WM CRE) - Analyst

Profile Description

We're seeking someone to join our team as (Analyst) in Credit Risk function responsible for Morgan Stanley Wealth Management's Tailored Lending Commercial Real Estate Business. Morgan Stanley is a global leader in wealth management with an extensive network of 1,200 offices across the U.S. and in key international locations. We provide a range of products and services to individuals, businesses and institutions, including brokerage and investment advisory services, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust.

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.

At Morgan Stanley India, we support the Firm's global businesses, with critical presence across Institutional Securities, Wealth Management, and Investment management, as well as in the Firm's infrastructure functions of Technology, Operations, Finance, Risk Management, Legal and Corporate & Enterprise Services. Morgan Stanley has been rooted in India since 1993, with campuses in both Mumbai and Bengaluru. We empower our multi-faceted and talented teams to advance their careers and make a global impact on the business. For those who show passion and grit in their work, there's ample opportunity to move across the businesses for those who show passion and grit in their work.

Interested in joining a team that's eager to create, innovate and make an impact on the world? Read on…

What you'll do in the role:

This is a multi-faceted role 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.

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.
• Manage a team of Analysts/Associates in terms of personal development, oversee production to ensure deliverables are on time and are of high quality, and provide timely feedback
• Manage escalations, and show a strong inclination towards problem solving and innovation
• Contribute to production and recognize proper delegation, setting of department goals, work on synergies across different teams, projects to increase production and create efficient workflows and processes

What you'll bring to the role:

Qualifications/Criterion
• Master's degree in finance required. CFA/FRM added advantage.
• 3-9 years of experience in commercial real estate lending and credit underwriting
• (For Director role only) Experience in managing, leading and developing a team of 2-4 people in a global organization.
• Experience at a global organization handling multiple priorities and different time zones.
Skill set
• 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.

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 85 years. At our foundation are five core values — putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back — that guide our more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. Our Firm is differentiated by the caliber of our diverse team, while our company culture and commitment to inclusion define our legacy and shape our future, helping to strengthen our business and bring value to clients around the world. Learn more about how we put this commitment to action: morganstanley.com/diversity. 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.

Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise 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.