Associate, Risk / Policy Mgmt

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 Bank N.A. is seeking an Associate, Risk / Policy Mgmt in New York, New York to assist in credit risk for corporate lending and capital markets transactions within the Technology, Media & Telecommunications (TMT) sector and Early Stage High Growth companies by performing independent credit analysis and proactive exposure monitoring. Evaluate financial performance, proposed transaction structures, and review industry trends to evaluate borrower creditworthiness and recommend risk mitigation strategies. Prepare and present comprehensive credit approval proposals to senior management and credit committees, ensuring timely and informed decision-making. Monitor a portfolio of companies, ensure regulatory rating accuracy, and make exposure recommendations to minimize capital loss. Collaborate with Investment Banking, Leveraged Finance, and internal risk teams to conduct due diligence, identify potential credit concerns, and maintain compliance with firm risk policies. Work on key initiatives including ad hoc industry and portfolio reviews, regulatory examinations, and ongoing performance monitoring through quarterly and annual reviews, supporting robust risk governance and portfolio resilience. Telecommuting permitted up to 2 days per week.

What you’ll bring to the role:

-Requires a Bachelor’s degree in Business, Finance, or a related field of study

-Requires two (2) years of experience in the position offered or two (2) years as an Analyst, or a closely related occupation

-Requires two (2) years of experience with the following skills:

• Technology, Media, Telecom (TMT) and Early Stage High Growth (ESHG) debt capital markets corporate lending transactions including refinancings, new originations, Leveraged Buyouts (LBOs), and Mergers & Acquisitions (M&As);
• Financial statements, accounting, and historical financial performance analysis;
• Credit risks and mitigants assessment;
• Base Case and Downside Case cash flow projections and recovery analysis in downside scenarios;
• Borrower PD (probability of default) rating;
• LGD (loss given default);
• Credit metrics including leverage, liquidity, fixed charge coverage, and debt repayment capacity;
• covenant compliance tracking;
• Regulatory reporting for SNC (Shared National Credit) exams;
• Annual Recurring Revenue (ARR)-based credit facility evaluation;
• Portfolio monitoring including quarterly and annual reviews;
• Peer benchmarking and credit terms, covenants, and collateral structure comparison; and
• Microsoft Excel, PowerPoint, and Capital IQ.

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 $110,000 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.