Quantitative Portfolio Associate - Credit Risk (Risk Management)

ysis 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.Primary 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.

Experience

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).
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).

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://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. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.

Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. 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.

Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).