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Morgan Stanley
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Associate, Risk / Policy Mgmt

Location
New York, New York, United States of America
Work mode
On-site
Employment type
Full-time

About the job

Company Profile:

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment, and wealth management services. The Firm's employees serve clients worldwide, including corporations, governments, and individuals from more than 1,200 offices in 43 countries.

In the Firm Risk Management division, we advise businesses across the Firm on risk mitigation strategies, develop tools to analyze and monitor risks and lead key regulatory initiatives.

What you’ll do in the role:

Morgan Stanley Services Group Inc. is seeking an Associate, Risk / Policy Mgmt in New York, New York to identify, evaluate, and monitor credit risk associated with lending, counterparty trading, and related activities conducted by the Firm. Assess credit risk of new loan originations and continuously monitor existing Firm borrowers to protect the Firm from exposure to credit losses. Conduct credit analysis and due diligence for corporate lending transactions for US Financial Institutions, process transaction approval packages, and present credit recommendations to senior officers. Review the integrity of financial models and credit base/downside case scenarios to ensure accuracy of credit risk calculations and assessments. Propose and evaluate credit protections and terms to be incorporated in legal documentation. Monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions. Review portfolio management and credit transaction approvals. Telecommuting permitted up to 2 days per week.

What you’ll bring to the role: -Requires a Bachelor’s degree in Business Administration, Finance, or a related field of study. Employer will accept a 3-year or 4-year degree. -Requires three (3) years of experience in the position offered or three (3) years as an Associate, Analyst, or a closely related occupation. -Requires three (3) years of experience with the following skills:

  • Investment banking services, corporate lending, acquisition financing, and other capital markets products;
  • Leveraged lending underwriting standards, and key structural terms of credit facilities including lender protections;
  • Key credit risk concepts including probability of default, loss given default, regulatory classification, and credit ratios;
  • Composing credit memos by summarizing key considerations around credit ratings, financial performance, and company strengths and weaknesses;
  • Financial institutions including industry dynamics and key players in real estate investment trusts or insurance, investment and wealth management, and alternative asset managers;
  • Financial statement analysis;
  • Financial modeling and balance sheet stress scenarios;
  • Business, financial, and legal due diligence processes;
  • Microsoft Excel including pivot tables, charts, and summarizing large data sets; and
  • Microsoft Power Point and Word.

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://www.morganstanley.com/about-us/global-offices​ into your browser.

Expected base pay rates for the role will be between $133,000 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 : https://www.morganstanley.com/people-opportunities/eeo .

From Morgan Stanley's careers page (Workday), checked 9 Nov 2026.

How to apply

  1. Select Apply on morganstanley.com. It opens Morgan Stanley's own application form in a new tab, run on Workday.
  2. Fill in the form and upload your résumé there. Jobiwork never sees your application.
  3. Morgan Stanley will reply to you directly. No real employer asks you for money to apply.

Posted 9 Nov 2026 · checked 9 Nov 2026 · Report this job

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