Associate, Risk / Policy Mgmt

Posted Yesterday
Be an Early Applicant
New York, NY, USA
In-Office
133K-140K Annually
Mid level
Fintech • Financial Services
The Role
Conduct credit risk analysis and due diligence for corporate lending and financial institution transactions. Evaluate loan originations, financial models, stress scenarios, credit protections, and borrower performance. Prepare transaction approval packages and credit memos, present recommendations to senior officers, monitor existing credits for deterioration, and review portfolio management and credit approvals.
Summary Generated by Built In

Company Profile:


Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment, and wealth management services. The Firm's employees serve clients worldwide, including corporations, governments, and individuals from more than 1,200 offices in 43 countries.

 

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.


What you’ll do in the role:

 

Morgan Stanley Services Group Inc.  is seeking an Associate, Risk / Policy Mgmt in New York, New York to identify, evaluate, and monitor credit risk associated with lending, counterparty trading, and related activities conducted by the Firm. Assess credit risk of new loan originations and continuously monitor existing Firm borrowers to protect the Firm from exposure to credit losses. Conduct credit analysis and due diligence for corporate lending transactions for US Financial Institutions, process transaction approval packages, and present credit recommendations to senior officers. Review the integrity of financial models and credit base/downside case scenarios to ensure accuracy of credit risk calculations and assessments. Propose and evaluate credit protections and terms to be incorporated in legal documentation. Monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions. Review portfolio management and credit transaction approvals. Telecommuting permitted up to 2 days per week.


What you’ll bring to the role:

-Requires a Bachelor’s degree in Business Administration, Finance, or a related field of study. Employer will accept a 3-year or 4-year degree.

-Requires three (3) years of experience in the position offered or three (3) years as an Associate, Analyst, or a closely related occupation.

-Requires three (3) years of experience with the following skills:

  • Investment banking services, corporate lending, acquisition financing, and other capital markets products;
  • Leveraged lending underwriting standards, and key structural terms of credit facilities including lender protections;
  • Key credit risk concepts including probability of default, loss given default, regulatory classification, and credit ratios;
  • Composing credit memos by summarizing key considerations around credit ratings, financial performance, and company strengths and weaknesses;
  • Financial institutions including industry dynamics and key players in real estate investment trusts or insurance, investment and wealth management, and alternative asset managers;
  • Financial statement analysis;
  • Financial modeling and balance sheet stress scenarios;
  • Business, financial, and legal due diligence processes;
  • Microsoft Excel including pivot tables, charts, and summarizing large data sets; and
  • Microsoft Power Point and Word.

WHAT YOU CAN EXPECT FROM MORGAN STANLEY:

At Morgan Stanley, we raise, manage and allocate capital for our clients – helping them reach their goals. We do it in a way that’s differentiated – and we’ve done that for 90 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 $133,000 and $140,000 per 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 is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background.  Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.

Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.

For more information, please visit: https://www.morganstanley.com/people-opportunities/eeo.

Skills Required

  • Bachelor's degree in Business Administration, Finance, or a related field; a 3-year or 4-year degree is accepted.
  • Three years of experience in the position offered, or as an Associate, Analyst, or closely related occupation.
  • Three years of experience with investment banking services, corporate lending, acquisition financing, and capital markets products.
  • Three years of experience with leveraged lending underwriting standards and credit facility structural terms, including lender protections.
  • Three years of experience with credit risk concepts, including probability of default, loss given default, regulatory classification, and credit ratios.
  • Three years of experience composing credit memos covering credit ratings, financial performance, and company strengths and weaknesses.
  • Three years of experience analyzing financial institutions and industry dynamics, including REITs, insurance, investment and wealth management, and alternative asset managers.
  • Three years of experience with financial statement analysis, financial modeling, and balance sheet stress scenarios.
  • Three years of experience with business, financial, and legal due diligence processes.
  • Three years of experience using Microsoft Excel, including pivot tables, charts, and large data sets.
  • Three years of experience using Microsoft PowerPoint and Word.

Morgan Stanley Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Morgan Stanley and has not been reviewed or approved by Morgan Stanley.

  • Healthcare Strength — Health offerings appear broad, including medical, dental, vision, prescription coverage, HSA/FSA options, free One Medical membership, care advocates, second opinions, and substantial mental-health support with multiple no-cost sessions. Additional resources such as Headspace, virtual physical therapy, and fitness subsidies enhance overall wellbeing coverage.
  • Parental & Family Support — Policies include 16 weeks of paid parental leave for all parents, additional pregnancy-related medical leave, and four weeks of paid leave to care for a seriously ill family member. A lifetime family-building benefit of up to $75,000 for adoption, surrogacy, and fertility expenses adds meaningful value.
  • Retirement Support — Retirement and financial programs feature a 401(k) with a competitive match alongside employee stock-purchase opportunities and 529 plan matching. Additional resources include financial-wellness tools, student-loan refinancing, and various insurance options.

Morgan Stanley Insights

Am I A Good Fit?
beta
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.

The Company
HQ: New York, NY
87,899 Employees

What We Do

Morgan Stanley mobilizes capital to help governments, corporations, institutions and individuals around the world achieve their financial goals. For over 85 years, the firm’s reputation for using innovative thinking to solve complex problems has been well earned and rarely matched. A consistent industry leader throughout decades of dramatic change in modern finance, Morgan Stanley will continue to break new ground in advising, serving and providing new opportunities for its clients. Morgan Stanley is committed to maintaining the first-class service and high standard of excellence that have always defined the firm. At its 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 its more than 60,000 employees in 1,200 offices across 41 countries.

Similar Jobs

In-Office
Bedford Hills, NY, USA
35000 Employees
18-23 Hourly

Gusto Logo Gusto

Software Engineer

Fintech • HR Tech
Easy Apply
Remote or Hybrid
3 Locations
4405 Employees
183K-245K Annually

Zeta Global Logo Zeta Global

Manager, YouTube Ads

AdTech • Artificial Intelligence • Marketing Tech • Software • Analytics
Easy Apply
Remote or Hybrid
United States
2429 Employees
80K-90K Annually

Gusto Logo Gusto

Senior L&D Specialist

Fintech • HR Tech
Easy Apply
Hybrid
5 Locations
4405 Employees
91K-136K Annually

Similar Companies Hiring

Hanover Park Thumbnail
Artificial Intelligence • Fintech • Software • Financial Services
New York, New York
42 Employees
Kepler  Thumbnail
Artificial Intelligence • Fintech • Software
New York, New York
9 Employees
Onshore Thumbnail
Artificial Intelligence • Fintech • Software • Financial Services
New York, New York
85 Employees

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account