Quantitative Portfolio Associate - Credit Risk (Risk Management)

Morgan Stanley • New York, NY

4d

About The Position

Firm Risk Management 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, model and other risks.
________________________________________ Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management Department, on the Corporate Lending Credit Risk Team, which is responsible for the independent identification, evaluation, and monitoring of credit risk associated with ISG corporate lending activities. Morgan Stanley Credit Risk Management (CRM) seeks an Associate with two to five years of relevant experience. The specific position is within CRM's team covering multiple sectors in the United States and is responsible for credit analysis and portfolio management, with a focus on developing AI solutions for credit underwriting and portfolio monitoring. This role will partner with internal technology and analytics teams to design and develop AI-driven tools and applications that enhance credit risk assessment, portfolio monitoring, and decision-making processes. The candidate will leverage their deep understanding of corporate lending credit to ensure AI solutions are practical, accurate, and aligned with risk management objectives. The candidate will also be responsible in managing the relationship with the business unit, and presenting and defending credit recommendations and / or risk management decisions to senior CRM management. ________________________________________

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, 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.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees