Credit Risk Management - Fixed Income Division Secured Lending (FSL)

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.

Background on the Position
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 structured lending facilities secured across a variety of asset classes, including Residential and Commercial Real Estate (CRE) mortgages, Corporate loans and other ABS (e.g. consumer, auto, infrastructure, non-performing loans). This includes the review of loan structures, pledged collateral, and risk mitigation strategies.

Primary Responsibilities

• Lead the management and evaluation of structured lending facility originations, renewals, amendments, and modifications, ensuring alignment with the firm's risk appetite and business objectives
• Serve as Risk representative for the full portfolio of Securitised Product Group lending activities on the Frankfurt entity, both internally with senior management in Risk and the business units, and also externally to Regulators
• 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

FRM is committed to creating and providing opportunities that enable our workforce to reflect diverse backgrounds and views. Experience

• Bachelor's degree or equivalent
• Minimum 5 years of experience covering structured finance / asset-backed lending, ideally within Credit risk (preferred)
• Strong knowledge of 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)
• Fluency in English is required

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.

Certified Persons Regulatory Requirements:
If this role is deemed a Certified role and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks.

Flexible work statement
Interested in flexible working opportunities? Morgan Stanley empowers employees to have greater freedom of choice through flexible working arrangements. Speak to our recruitment team to find out more.

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.