Credit Risk Commercial Real Estate, Director, Firm Risk Management

We’re seeking someone to join our team as an Director in Credit Risk team.

In the Firm Risk Management division, we advise businesses across the Firm on risk mitigation strategies, develop tools to analyse and monitor risks and lead key regulatory initiatives.

Since 1935, Morgan Stanley is known as a global leader in financial services, always evolving and innovating to better

This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions, under the WM Risk-Tailored 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.

What You’ll Do In The Role

• 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.
• Assess credit strengths and weakness of UHNW/ HNW (Ultra-high Net Worth / High Net Worth) for US region. Interpret and identify risk by analyzing financial statements for individuals, joint borrowers, Revocable and Irrevocable Trust.
• 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.
• Ensure loan documentation accurately represents the terms of the loan approval and permits Morgan Stanley to enforce its rights on the collateral in a default situation. 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.
• Manage a team of Analysts/Associates in terms of personal development, oversee production to ensure deliveries are on time and are of high quality, and provide timely feedback.
• Manage escalations, and show a strong inclination towards problem solving and innovation.
• Contribute to production and recognize proper delegation, setting of department goals, work on synergies across different teams, projects to increase production and create efficient workflows and processes Skill set
• 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.

What You’ll Bring To The Role

• Master's degree in finance required. CFA/FRM added advantage.
• 7-9 years of experience in commercial real estate lending and credit underwriting
• Experience at a global organization handling multiple priorities and different time zones.

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.

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.