Commercial Real Estate, Associate, Credit Risk at Morgan Stanley

Mumbai, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

13 Feb, 26

Salary

0.0

Posted On

15 Nov, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Risk Management, Portfolio Management, Financial Analysis, Relationship Management, Communication Skills, Detail Oriented, Organizational Skills, Analytical Skills, Collaboration Skills, Covenant Compliance, Credit Underwriting, Commercial Real Estate, Documentation Knowledge, Transaction Structures, Remedial Action Planning

Industry

Financial Services

Description

This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions, under the ISG Lending business that is secured on all property types. The principal responsibilities include managing a rapidly growing portfolio of existing loans, monitoring ongoing portfolio management activities and evaluating new loans/transactions or collateral additions. The successful candidate will be responsible to: Monitor and manage new loans & existing portfolio of CRE transactions including periodic reporting of risk profiles, trends, industry developments and concentrations. In conjunction with the Sr. Credit Officer, prepare Annual Reviews, Quarterly Reviews, monitor the ongoing financial condition and performance of the Borrower. Perform a thorough credit analysis on borrowers' financial health, risk rating and collateral analysis. Presentation to Credit Senior management, the Firm's Credit Committee, and other internal and external stakeholders Maintain frequent communication with Sr. Credit Officers regarding the financial condition of Borrower(s) and compliance with reporting requirements. Keep current on major developments and changes in financial condition and identification of risks. Review credit approval memos for compliance with firm's credit policy and philosophy. Identify early warning signals in deteriorating credits. Perform regular financial, credit and lien checks. Check for covenant compliance. Make timely recommendations regarding changes in credit classification and risk rating. Advice Sr Credit Officers on remedial action plans as needed. Work with Sr. Credit Officers to maintain and update files in an orderly and timely fashion Manage all requests within stated turn times unless justified as an exception. Manage expectations through active communication with Sr. Credit Officers. Must escalate material individual relationship or portfolio observations promptly to Sr. Credit Officers Experience in commercial real estate lending and credit underwriting Have a good knowledge of transaction structures, documentation, and the lending process Detail orientated and highly motivated. Strong organizational and analytical skills and the ability to effectively summarize findings, both verbally and in writing, in a clear and concise manner. Strong relationship management and possess good oral and written communication skills Ability to meet deadlines while managing multiple deliverables with limited supervision. Good collaboration skills in a team-oriented environment. Master's degree in finance required. CFA/FRM added advantage. Upto 2.5 years (for Analyst) /Upto 6.5 years (for Associate) of experience in commercial real estate lending and credit underwriting Experience at a global organization handling multiple priorities and different time zones. 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. 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. 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.

Responsibilities

The role involves managing a growing portfolio of existing loans and evaluating new loans or collateral additions. Responsibilities include monitoring risk profiles, preparing reviews, performing credit analysis, and maintaining communication with senior credit officers.