Risk Management, Credit Risk Management - FID Secured Lending, Vice President

London, England, United Kingdom

6/26/2025

Risk Management, Credit Risk Management - FID Secured Lending, Vice President

London

JR015069

The role will reside within the Firm Risk Management's Credit Risk Management area which is a team dedicated to evaluating credit risk transactions considering the availability and appropriateness of arrangements for reducing risk or risk mitigation. The department also assigns Internal Credit Ratings; establishes and manages credit risk limits in accordance with the risk tolerance established by the Board; monitors and reports on credit risk exposures on a regular basis to the Chief Risk Officer and Firm Risk Management. CRM also interacts with business units to ensure that credit risk assessments are factored into business decisions.

This is a multi-faceted role responsible for coverage of highly structured transactions secured by commercial and residential real estate, including commercial real estate mortgage warehouse loans, single family rental, investor loans and residential mortgage trading. The principal responsibilities include the evaluation of new transactions and subsequent collateral pledges and portfolio management and monitoring of existing facilities.

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, operational, model and other risks.

About Morgan Stanley

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services.

As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence, and strong team ethic. We can provide a superior foundation for building a professional career – a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture.

What will you be doing?

• Evaluate new transactions, including an independent assessment and recommendation on the credit quality, proposed rating and alignment of lending opportunities to the Firm's credit appetite
• Collaborate with the origination team on structuring and setting-up the contractual framework for transactions
• Prepare materials for Credit Senior Management and present at the Firm's Credit Committee for approval
• Monitor the existing portfolio of transactions, including periodic reporting of risk profiles, trends, industry developments, concentrations and conducting downside scenario analysis
• Prepare timely and insightful annual and quarterly reviews, including the assessment of performance against underwritten base case projections and key credit metrics
• Review of due diligence materials and involvement in due diligence sessions, including asset site visits and review of appraisals/valuations
• Review and verify compliance certificates, debt covenants, and financial accounts and ensure adherence to credit and other relevant internal policies and practices.
  
  

What We’re Looking For

• Bachelors degree or equivalent
• Experience in credit risk covering either asset backed lending such as real estate lending, corporate lending or warehouse lending including loans on residential mortgages, non-performing loans, single family rental / residential assets
• Strong knowledge of the lending process, transaction structures and facility documentation e.g. term sheets and facility agreements
• Understanding of financial markets, financing instruments, associated legal documentation and risk mitigating structures
• Knowledge of basic accounting / financial concepts and familiarity with credit metrics
• The ability to communicate effectively with a wide range of stakeholders, both written and verbally
• Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft office, including Excel, PowerPoint and Word)
  
  

Skills That Will Help You In The Role

• The ability to work independently in a self-directed way in a collaborative environment
• An interest in working in a fast-paced environment, often balancing multiple high priority deliverables
• Strong analytical skills; experience in financial analysis and modelling (preferred)
• Fluency in English is required, plus another European language (preferred)
  
  

Where will you be working?

This role is based in 20 Bank Street, London.

What You Can Expect From Morgan Stanley

We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 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.

Certified Persons Regulatory Requirements

If t his role is deemed a Certified role and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks.

Flexible work statement

Interested in flexible working opportunities? Morgan Stanley empowers employees to have greater freedom of choice through flexible working arrangements. Speak to our recruitment team to find out more.

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.