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Morgan Stanley Bank N.A. is seeking an Associate, Risk / Policy Mgmt in New York, New York to assist in credit risk for corporate lending and capital markets transactions within the Technology, Media & Telecommunications (TMT) sector and Early Stage High Growth companies by performing independent credit analysis and proactive exposure monitoring. Evaluate financial performance, proposed transaction structures, and review industry trends to evaluate borrower creditworthiness and recommend risk mitigation strategies. Prepare and present comprehensive credit approval proposals to senior management and credit committees, ensuring timely and informed decision-making. Monitor a portfolio of companies, ensure regulatory rating accuracy, and make exposure recommendations to minimize capital loss. Collaborate with Investment Banking, Leveraged Finance, and internal risk teams to conduct due diligence, identify potential credit concerns, and maintain compliance with firm risk policies. Work on key initiatives including ad hoc industry and portfolio reviews, regulatory examinations, and ongoing performance monitoring through quarterly and annual reviews, supporting robust risk governance and portfolio resilience. Telecommuting permitted up to 2 days per week.
Responsibilities
Performing independent credit analysis and proactive exposure monitoring
Evaluating financial performance, proposed transaction structures, and review industry trends to evaluate borrower creditworthiness and recommend risk mitigation strategies
Preparing and presenting comprehensive credit approval proposals to senior management and credit committees, ensuring timely and informed decision-making
Monitoring a portfolio of companies, ensure regulatory rating accuracy, and make exposure recommendations to minimize capital loss
Collaborating with Investment Banking, Leveraged Finance, and internal risk teams to conduct due diligence, identify potential credit concerns, and maintain compliance with firm risk policies
Working on key initiatives including ad hoc industry and portfolio reviews, regulatory examinations, and ongoing performance monitoring through quarterly and annual reviews, supporting robust risk governance and portfolio resilience
Requirements
Requires a Bachelor’s degree in Business, Finance, or a related field of study
Requires two (2) years of experience in the position offered or two (2) years as an Analyst, or a closely related occupation
Requires two (2) years of experience with the following skills: Technology, Media, Telecom (TMT) and Early Stage High Growth (ESHG) debt capital markets corporate lending transactions including refinancings, new originations, Leveraged Buyouts (LBOs), and Mergers & Acquisitions (M&As); Financial statements, accounting, and historical financial performance analysis; Credit risks and mitigants assessment; Base Case and Downside Case cash flow projections and recovery analysis in downside scenarios; Borrower PD (probability of default) rating; LGD (loss given default); Credit metrics including leverage, liquidity, fixed charge coverage, and debt repayment capacity; covenant compliance tracking; Regulatory reporting for SNC (Shared National Credit) exams; Annual Recurring Revenue (ARR)-based credit facility evaluation; Portfolio monitoring including quarterly and annual reviews; Peer benchmarking and credit terms, covenants, and collateral structure comparison; and Microsoft Excel, PowerPoint, and Capital IQ.
