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Company Profile:

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management 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.

Firm Risk Management

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.

Department Profile:

Credit Risk Management (CRM) provides independent oversight of the Firm's credit risks and acts as the guardian of the Firm's capital. We evaluate credit risk transactions and approve, reject, or modify them based on their overall risk profile together with the availability and appropriateness of arrangements for reducing or mitigating credit risk. We assign Internal Credit Ratings which quantify the level of risk; establish and manage credit risk limits in accordance with the risk tolerance established by the Board; and monitor and report on credit risk exposures on a regular basis to the Chief Risk Officer and senior management. We also interact with business units to ensure that credit risk assessments are factored into business decisions.

Background on the Position

Credit Team Lead: International Bank Lending/Securities Based Lending Products The role will reside within the Firm Risk Management’s Credit Risk Management area which is a team dedicated to evaluating credit risk transactions considering the availability and appropriateness of arrangements for reducing risk or risk mitigation. The department also assigns Internal Credit Ratings; establishes and manages credit risk limits in accordance with the risk tolerance established by the Board; monitors and reports on credit risk exposures on a regular basis to the Chief Risk Officer and Firm Risk Management. CRM interacts with key internal and external stakeholders, including our teams in First Line of Defense to ensure that credit risk assessments are accurate and support business decisions.

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*Role * • Assessment of credit strengths and weakness of UHNW/ HNW (Ultra-high Net Worth / High Net Worth) client's for US/ International clients. • Prepare high quality annual review and underwriting credit reviews with recommendations, risks and mitigations for deals and send to authorized credit officers for approval within designated due dates • Demonstrate acceptable knowledge and ability to analyze different asset classes such as Equity and Fixed Income in addition to industry / country / sovereign research and the risks • Provide analytical support and identify risks for complex derivative products and the client's trading strategies and perform ad hoc data analysis/monitoring reports as per business requirement. • Interpretation and risk identification of financial statements for companies and borrowers for key risks. • Monitor and escalate portfolio quality on an ongoing basis such as deteriorating collateral, adverse borrower information, negative trends, material individual/aggregate relationship and other risks. • Credit Reviews to be prepared in an appropriate manner in accordance with credit policies and procedures to protect the interests of the firm. Providing support for regulatory, audits and compliance testing. • Participate in quality assurance testing to verify the reviews approved are in with credit policies and procedures. Escalate the errors/concerns to credit officers for corrective actions. • Review of Junior team member's work, provide training and work on global projects. • Partner with colleagues across the globe to achieve your goals and to gain insight into how a global organization works.

Skills required • 3-6 years work experience in financial services industry • Detail oriented, with exceptional analytical skills • Knowledge of various asset classes, derivatives and personal/business financial statement and credit reports • Well organized and able to work in a fast-paced environment • Ability to meet deadlines while managing multiple deliverables • Possess excellent oral and written communication skills • Possess strong problem identification and solution techniques • Good collaboration skills in a team-oriented environment • Bachelor's Degree and previous experience in Finance, Banking, Prime brokerage, Broker dealer preferred

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

Job: *Credit Risk

Title: Associate - SBL & Traded Products, Credit Risk (Firm Risk Management)

Location: Non-Japan Asia-India-India-Mumbai (MSA)

Requisition ID: 3257254