Morgan Stanley

Credit Risk (ISG CRE) - Analyst

Profile Description

We’re seeking someone to join our team as (Analyst) in Credit Risk, ISG CRE team.

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:

Primary responsibilities
This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions, under the Institutional Securities Group (ISG) business. The principal responsibilities include managing a portfolio of existing loans and monitoring ongoing portfolio management activities.

The successful candidate will be responsible to:
• Monitor and manage 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, monitor the ongoing financial condition and performance of the Borrower and the collateral.
• 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.
• 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 borrower or portfolio observations promptly to Sr. Credit Officers.
• Manage escalations, and show a strong inclination towards problem solving and innovation

Morgan Stanley

Credit Risk (ISG CRE) - Analyst

Profile Description

We’re seeking someone to join our team as (Analyst) in Credit Risk, ISG CRE team.

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:

Primary responsibilities
This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions, under the Institutional Securities Group (ISG) business. The principal responsibilities include managing a portfolio of existing loans and monitoring ongoing portfolio management activities.

The successful candidate will be responsible to:
• Monitor and manage 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, monitor the ongoing financial condition and performance of the Borrower and the collateral.
• 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.
• 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 borrower or portfolio observations promptly to Sr. Credit Officers.
• Manage escalations, and show a strong inclination towards problem solving and innovation

What you’ll bring to the role:

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 excellent 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/ MBA preferrable. CFA/FRM added advantage.
• Superior written and verbal communication skills
• 1-5 years of experience in commercial real estate lending and/or credit risk management
• 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 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.

What you’ll bring to the role:

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 excellent 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/ MBA preferrable. CFA/FRM added advantage.
• Superior written and verbal communication skills
• 1-5 years of experience in commercial real estate lending and/or credit risk management
• 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 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.