Quantitative Portfolio Associate - Credit Risk (Risk Management)

Morgan Stanley•New York, NY

4d•$100,000 - $140,000

About The Position

Conduct credit analysis and due diligence for corporate lending transactions, process transaction approval packages, and present credit recommendations to senior CRM officers. Review financial models' integrity and generate/review credit and downside cases. Evaluate structure and terms in legal documentation in connection with the Leveraged Finance team. Conduct portfolio management activities and monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions. Collaborate with junior and senior staff on portfolio management and/or transaction approvals. Review and draft documentation for regulatory reviews and exams. Work with technology and data science teams to define requirements and validate AI models for credit risk analysis and portfolio monitoring. Provide subject matter expertise to ensure AI applications reflect sound credit underwriting principles and regulatory standards. Participate in testing and implementation of AI tools, offering feedback to improve usability and accuracy. 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. 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. Expected base pay rates for the role will be between $100,000 and $140,000 year at the commencement of employment. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law.

Requirements

Bachelor's degree with 2-5 years of work experience, preferably in Credit Risk Management, Investment Banking, or Corporate Finance
Proven financial modeling experience with strong analytical skills
Ability to effectively communicate with a wide range of stakeholders, both written and verbally
Ability to work independently in a team-oriented environment
Knowledge of Leveraged Finance and capital markets products
Strong organizational skills with an interest in working in a fast-paced environment, often balancing multiple high-priority deliverables
Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft Office, including Excel, PowerPoint, and Word)

Nice To Haves

Advanced degrees and/or CFA certification are not required, but preferred
Interest in technology and innovation; prior exposure in data analytics or AI concepts is a plus (not required)

Responsibilities

Conduct credit analysis and due diligence for corporate lending transactions
Process transaction approval packages
Present credit recommendations to senior CRM officers
Review financial models' integrity and generate/review credit and downside cases
Evaluate structure and terms in legal documentation in connection with the Leveraged Finance team
Conduct portfolio management activities and monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions
Collaborate with junior and senior staff on portfolio management and/or transaction approvals
Review and draft documentation for regulatory reviews and exams
Work with technology and data science teams to define requirements and validate AI models for credit risk analysis and portfolio monitoring
Provide subject matter expertise to ensure AI applications reflect sound credit underwriting principles and regulatory standards
Participate in testing and implementation of AI tools, offering feedback to improve usability and accuracy