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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 also interacts with business units to ensure that credit risk assessments are factored into business decisions.
This role entails assessing credit risk associated with Commercial Real Estate (CRE) lending facilities, including the review of loan structures, pledged collateral, and risk mitigation strategies.
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, operational, model and other risks.
What will you be doing?
- Lead the management and evaluation of CRE warehouse loan originations, renewals, amendments, and modifications, ensuring alignment with the firm’s risk appetite and business objectives
- Oversee monitoring of the existing loan portfolio, driving analysis and reporting of risk profiles, trends, industry developments, and concentrations
- Facilitate and lead meetings with key stakeholders, including external clients, firm credit committees, and business unit discussions
- Coordinate review of due diligence materials; actively participating in client diligence, site visits and assessment of appraisals/valuations
- Mentor and empower junior team members through training and professional development
What we’re looking for:
- Minimum 5 years of experience covering commercial real estate lending, ideally within Credit risk
- Strong knowledge of the lending process, transaction structures and documentation e.g. term sheets and facility agreements
- Understanding of financial markets, financing instruments, associated legal documentation and lending structures
- Knowledge of basic accounting / financial concepts and familiarity with credit metrics
- Ability to communicate effectively with a wide range of stakeholders, both written and verbally
- Strong analytical skills; experience in financial analysis and modelling
- Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft office, including Excel, PowerPoint and Word)
- Bachelors degree or equivalent
- Fluency in English is required
Skills that will help you in the role:
- Ability to work independently in a self-directed way in a collaborative environment
- An interest in working in a fast-paced environment, often balancing multiple high priority deliverables
Where will you be working?
This role is based in 20 Bank Street, London.
Source: Morgan Stanley Career Page
