The role in Credit Risk Management at Morgan Stanley focuses on assessing creditworthiness in the Power & Utilities sector. Responsibilities include conducting credit analysis, participating in due diligence, and managing portfolios while collaborating with various business units.

• Bachelor's degree in Finance, Accounting, Economics, Engineering, or related quantitative field; advanced degree or CFA candidate a plus.
• 2-4 years of experience in credit risk, project finance, corporate underwriting, or energy sector finance.
• Understanding of U.S. power markets, utility regulatory, and project finance preferred.
• Familiarity with master agreement documentation (ISDAs, CSAs, credit agreement, etc) and traded products.
• Exceptional financial modeling and analytical skills, attention to detail, and ability to synthesize complex information.
• Strong written and verbal communication skills.
• Ability to work independently and manage multiple priorities in a fast paced environment.
• Fluency in English required.

• Conduct in depth credit analysis of P&U counterparties, including regulated utilities, IPPs, renewables, etc.
• Participate in due diligence process for new transactions and client onboarding.
• Review trade requests from business/origination teams, evaluate sector specific risks, and understand credit exposure impact.
• Assess exposure impact, tenor, collateral arrangements, ISDA/CSA terms, and transaction specific risk drivers.
• Support underwriting of lending transactions, including revolvers, term loans, and structured lending facilities.
• Analyze borrower financials, business models, capital structures, cash flow resilience, and key lending risks.
• Prepare comprehensive loan approval memos and recommendations for internal credit committees.
• Prepare annual and quarterly credit reviews, assign internal credit ratings, propose credit limits, and monitor limit usage and excesses.
• Track and monitor industry trends and contribute to sector reviews and stress tests.
• Prepare portfolio level reports highlighting rating changes, market developments, regulatory impacts, and concentration risks.
• Develop presentations for senior management, firm committees, and regulatory reviews on sector trends and portfolio themes.

• Morgan Stanley offers extensive benefits that support employees’ careers, health, finances, and families, including top-tier medical coverage, mental health support, generous parental leave, fertility and family-building benefits, and robust retirement and stock purchase plans. Employees also gain access to continuous learning and networking opportunities, volunteer and giving programs aligned with the firm’s values, and hundreds of lifestyle perks like discounted products, cultural and entertainment tickets, and commuter savings.