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Morgan Stanley:Commercial Real Estate :Credit Risk Management-Director

Morgan Stanley:Commercial Real Estate :Credit Risk Management-Director

Morgan Stanley

6 - 10 years

27 - 42 Lacs

mumbai

Posted:14 hours ago| Platform:

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Skills Required

commercial real estate commercial lending residential mortgage loan servicing commercial mortgage commercial underwriting commercial loans commercial real estate lending cre credit risk asset management cmbs ratio analysis financial modelling

Work Mode

Hybrid

Job Type

Full Time

Job Description

Role & responsibilities

Morgan Stanley is seeking a highly qualified candidate for Credit Risk function responsible for Morgan Stanley Wealth Managements Tailored Lending Commercial Real Estate Business. Morgan Stanley is a global leader in wealth management with an extensive network of 1,200 offices across the U.S. and in key international locations. We provide a range of products and services to individuals, businesses and institutions, including brokerage and investment advisory services, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust.

Primary responsibilities

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.

The successful candidate will be responsible to:

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.

Qualifications/Criterion

Master’s degree in finance required. CFA/FRM added advantage.
6-9 years of experience in commercial real estate lending and credit underwriting
Experience at a global organization handling multiple priorities and different time zones.

Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential.

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Morgan Stanley

Financial Services

New York NY

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Morgan Stanley:Commercial Real Estate :Credit Risk Management-Director