Morgan Stanley
Credit Risk Management – Fixed Income Division Secured Lending – Commercial Real Estate, Vice President
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Credit Risk Management – Fixed Income Division
Vice President, Secured Lending – Commercial Real Estate (London)
The role resides within Morgan Stanley’s Firm Risk Management’s Credit Risk Management area, a team focused on evaluating credit risk transactions. Key responsibilities include:
- Evaluating credit arrangements and risk mitigation strategies
- Assigning Internal Credit Ratings
- Establishing and managing credit risk limits based on board-approved risk tolerances
- Monitoring and reporting credit risk exposures regularly to the Chief Risk Officer and Firm Risk Management
- Collaborating with business units to integrate credit risk assessments into decision-making processes
This position involves assessing credit risk in Commercial Real Estate (CRE) lending, including but not limited to:
- Reviewing loan structures
- Evaluating pledged collateral
- Assessing risk mitigation strategies
About Morgan Stanley
Morgan Stanley is a leading global financial services firm offering investment banking, securities, investment management, and wealth management services. With a workforce of over 80,000 employees across 1,200 offices, the firm fosters a culture rooted in:
- Integrity
- Excellence
- Strong teamwork
Departments are structured to support professional development, balanced work-life integration, and growth opportunities in a diverse and inclusive environment.
Responsibilities
Key Duties
- Lead management and evaluation of CRE warehouse loan originations, renewals, amendments, and modifications while aligning with the firm’s risk appetite and business goals.
- Oversee monitoring of the existing loan portfolio, driving analysis and reporting on risk profiles, market trends, industry developments, and concentrations.
- Facilitate and lead stakeholder meetings, including but not limited to:
- External clients
- Firm credit committees
- Business unit discussions
- Coordinate the review of due diligence materials and actively participate in:
- Client diligence
- Site visits
- Assessment of appraisals/valuations
- Mentor and upskill junior team members through support, training, and professional development initiatives.
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Requirements
Essential
- Minimum 5 years of experience in commercial real estate lending, with a bias toward credit risk experience.
- Strong knowledge of lending processes, transaction structures, and documentation (e.g., term sheets and facility agreements).
- Deep understanding of financial markets, financing instruments, related legal documentation, and lending structures.
- Familiarity with accounting/financial concepts and exposure to credit metrics.
- Exceptional communication skills, both written and verbal, for engaging with diverse stakeholders.
- Strong analytical abilities, including financial analysis and modelling experience.
- Attention to detail, with an ability to provide clear, actionable insights (proficient in Microsoft Office, including Excel, PowerPoint, and Word).
- Bachelor’s degree or equivalent qualification.
- Fluency in English.
Desirable (Skills that Will Enhance Your Role)
- Proficiency in independent working while contributing to a collaborative environment.
- Enthusiasm for working in a dynamic, high-pressure atmosphere juggling multiple critical deliverables.
Work Location
The role is based at:
Morgan Stanley London 20 Bank Street, London
What Morgan Stanley Offers You
Culture & Values
- Collaborative, innovative workplace rooted in core values: client-first approach, integrity, creative thinking, and diversity and inclusion.
- Employee-centric ethos that balances personal and professional life, offers competitive benefits, and supports career progression across the global firm.
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Employee Benefits & Opportunities
- Access to a comprehensive benefits package, including competitive salaries, health, wellness, and work-life balance support.
- Extensive expansion opportunities for talent who demonstrate drive and excellence.
- A structured approach to incorporate sustainability and social impact across all business functions.
For more information on offices worldwide, visit global offices page.
Regulatory & Flexibility Notes
- Flexibility Statement: Flexible working arrangements are available at Morgan Stanley. Inquiry about specific setups can be directed to the recruiting team.
- Certified Roles & Requirements: This position may require Certified person regulatory qualifications or qualifications to meet the firm’s internal benchmarks.
- Equal Opportunity Employer: Morgan Stanley is committed to fostering diversity and inclusion, considering all applicants based on skills and potential, regardless of background. Visit EEO Policy for further details.
Mission & Impact
Morgan Stanley strives to provide groundbreaking capital solutions globally, fostering both client and societal success. Through strategic innovation and integrity, it aims to shape a more sustainable future by partnering with governments, institutions, and galaxies to achieve business and community objectives.
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