Corporate Lending associate

Firm Risk ManagementFirm 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, model and other risks.The role will reside within the Firm Risk management's Credit Risk Management Department, on the Corporate Lending Credit Risk Team, which is responsible for the independent identification, evaluation, monitoring of credit risk associated with ISG corporate lending activities.Morgan Stanley Credit Risk Management (CRM) seeks an Associate with three to five years of relevant experience. The specific position is within CRM's team covering multiple C&I sectors in the United States and is responsible for the timely and comprehensive completion of credit analysis, managing the relationship with the business unit, and presenting and defending credit recommendations to senior CRM management. CRM Associate also oversees the monitoring of the portfolio of existing clients within her/his industry coverage.Primary ResponsibilitiesConduct credit analysis and due diligence for corporate lending transactions, process transaction approval packages and present credit recommendations to senior CRM officersReview financial models' integrity and generate/review credit and downside casesEvaluate structure and terms in legal documentation in connect with the Leveraged Finance teamConduct portfolio management activities and monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actionsCollaborate with junior and senior staff on portfolio management and transaction approvalsReview and draft documentation for regulatory reviews and examsRequirementsBachelor's degree with 3-5 years of work experience, preferably in Credit Risk Management, Investment Banking, or Corporate FinanceProven financial modeling experience with strong analytical skillsAbility to effectively communicate with a wide range of stakeholders, both written and verballyAbility to work independently in a team-oriented environmentKnowledge of leverage Finance and capital markets productsStrong organization skills with an interest in working in a fast-paced environment, often balancing multiple high priority deliverablesStrong attention to detail and ability to provide information in usable formats (proficiency in Microsoft office, including Excel, Power Point and Word)Advanced degrees and/or CFA certification are not required, but preferredWHAT 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.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 into your browser.Expected base pay rates for the role will be between 100,000 and 140,000 per 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 is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.For more information, please visit: .Employment Type:Full timeJob Level:ProfessionalPosted Date:May 05, 2026ATS Job Description Test:Department:Complex Risk Officer