Credit Risk Associate - Corporate Lending

at  Morgan Stanley

Credit Risk Associate - Corporate Lending
Job Number:

3261026
POSTING DATE: Oct 30, 2024
PRIMARY LOCATION: Europe, Middle East, Africa-Germany-Germany-Frankfurt
EDUCATION LEVEL: Bachelor’s Degree
JOB: Credit Risk
EMPLOYMENT TYPE: Full Time
JOB LEVEL: Associate

DESCRIPTION

Credit Risk Associate - Corporate Lending
Frankfurt
3255385
Morgan Stanley is seeking a new colleague in Credit Risk Management department in Frankfurt at Associate level. The role holder will support 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 and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks.
About Morgan Stanley
Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services.
As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence, and strong team ethic. We can provide a superior foundation for building a professional career – a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture.

What will you be doing?

• Analyse credit risks in corporate loan transactions and derivative trade requests to recommend accurate credit risk ratings and appropriate risk appetite
• Assume key role in loan transaction execution, from deal inception to financial close, including presentation at credit committee and to senior management
• Liaise with clients and internal business units on credit requirements (assisting structuring new transactions), approvals and ongoing relationship management

• Manage portfolio of corporate loan and derivative counterparties, including annual and quarterly reviews and adhoc waiver requests

  Analyse economic and market events and their impact on the portfolio of counterparties managed.

QUALIFICATIONS

What we’re looking for:

• Bachelor’s degree or equivalent, ideally in Finance, Economics or similar; Master’s degree or professional qualification as CFA or equivalent (preferred)
• Experience in corporate credit analysis and financial forecasting, assigning ratings and sizing appetite
• Understanding of financial markets, financing and risk mitigating structures
• Familiarity with financial products e.g., swaps, FX, equities (preferred) and legal documentation (e.g. ISDA, CSAs)

Skills that will help you in the role:

• The ability to communicate effectively with a wide range of stakeholders, both written and verbally
• The ability to work independently in a self-directed way in a collaborative, team-oriented environment
• An interest in working in a fast-paced environment, often balancing multiple high priority deliverables
• Strong analytical skills; experience in financial analysis and modelling (preferred)
• 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, plus another European language (preferred)

Where will you be working?
The role will reside within Firm Risk Management’s Credit Risk Management Department. Credit Risk Management (CRM) evaluates credit risk transactions and approves rejects or modifies them 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 senior management. CRM also interacts with business units to ensure that credit risk assessments are factored into business decisions.
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.
Internal Applicants:
Internal mobility can be a way to grow your career and realize your professional potential. Typically, you must be in your position for at least 18 months and performing satisfactorily before applying for another job at the Firm. Internal applicants can find out more regarding career navigation, mobility guidelines and policy on our employee portal by clicking here.
Equal opportunities statement:
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.

What will you be doing?

• Analyse credit risks in corporate loan transactions and derivative trade requests to recommend accurate credit risk ratings and appropriate risk appetite
• Assume key role in loan transaction execution, from deal inception to financial close, including presentation at credit committee and to senior management
• Liaise with clients and internal business units on credit requirements (assisting structuring new transactions), approvals and ongoing relationship management
• Manage portfolio of corporate loan and derivative counterparties, including annual and quarterly reviews and adhoc waiver request

Skills that will help you in the role:

• The ability to communicate effectively with a wide range of stakeholders, both written and verbally
• The ability to work independently in a self-directed way in a collaborative, team-oriented environment
• An interest in working in a fast-paced environment, often balancing multiple high priority deliverables
• Strong analytical skills; experience in financial analysis and modelling (preferred)
• 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, plus another European language (preferred