Morgan Stanley Secured based lending, Credit Risk Associate Profile Description Were seeking someone to join our team as (Associate) in (Secured based lending, Credit Risk) division. Firm Risk Management 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. Business Audit Morgan Stanley is an industry leader in financial services, known for mobilizing capital to help governments, corporations, institutions, and individuals around the world achieve their financial goals. At Morgan Stanley India, we support the Firms global businesses, with critical presence across Institutional Securities, Wealth Management, and Investment management, as well as in the Firms infrastructure functions of Technology, Operations, Finance, Risk Management, Legal and Corporate & Enterprise Services. Morgan Stanley has been rooted in India since 1993, with campuses in both Mumbai and Bengaluru. We empower our multi-faceted and talented teams to advance their careers and make a global impact on the business. For those who show passion and grit in their work, theres ample opportunity to move across the businesses for those who show passion and grit in their work. Interested in joining a team thats eager to create, innovate and make an impact on the world? Read on What youll do in the role: The primary responsibilities of the role include : Assessment of credit strengths and weakness of UHNW/ HNW (Ultra-high Net Worth / High Net Worth) for US/ International clients. Focus on developing deep domain knowledge and deep understanding on different asset classes such as Equity, Fixed Income, structured products, Listed derivatives in addition to industry / country / sovereign research and the risks. Interpretation and risk identification of financial statements for individuals, joint borrowers, Revocable and Irrevocable Trust, PHC Operating companies' key risks. Monitor and escalate portfolio quality on an ongoing basis such as deteriorating collateral, adverse borrower information, negative trends, material individual/aggregate relationship and other risks. Prepare high quality Credit memo for Existing and New clients with recommendations, risks and mitigations for deals and send to authorized Senior Credit officers for approval within designated due dates. Credit Reviews to be prepared in an appropriate manner in accordance with credit policies and procedures to protect the interests of the firm. Develop sovereign and macro risk views as need to support decision making Review work of junior team members to ensure quality and accuracy of deliverable Partner with colleagues across the globe to achieve your goals and to gain insight into how a global organization operates.