About Company
Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management, and wealth management services. With offices in more than 41 countries, our firm’s employees serve clients worldwide including corporations, governments, institutions, and individuals. Our commitment to excellence, integrity, and client-centric approach drives our success and shapes the future of finance. We pride ourselves on fostering an inclusive culture where diverse perspectives are valued and professional growth is encouraged. Joining Morgan Stanley means becoming part of a dynamic team dedicated to making an impact and delivering exceptional results.
Job Description
Morgan Stanley is seeking a highly motivated and detail-oriented Credit Analyst to join our esteemed team in Golden, Colorado. This is an exceptional opportunity for a finance professional eager to make an immediate impact within a leading global financial institution. As a Credit Analyst, you will play a crucial role in evaluating the creditworthiness of corporate clients, assessing financial risks, and contributing to informed decision-making across various financial products and services. You will be instrumental in conducting thorough financial statement analysis, developing comprehensive credit proposals, and monitoring credit exposures. This role demands a strong understanding of financial markets, corporate finance, and risk management principles. We are looking for an individual who thrives in a fast-paced environment, possesses strong analytical capabilities, and is committed to upholding the highest standards of integrity and professionalism. You will collaborate closely with relationship managers, risk management, and other internal stakeholders, providing critical insights that support our business objectives and safeguard our assets. The ideal candidate will have a proactive approach, excellent communication skills, and the ability to articulate complex financial concepts clearly and concisely. This position offers significant exposure to diverse industries and financial structures, providing a robust platform for career development and advancement within Morgan Stanley.
Key Responsibilities
- Conduct in-depth financial analysis of corporate clients, including cash flow projections, leverage ratios, and liquidity assessments.
- Prepare detailed credit proposals and risk assessments for new and existing clients, ensuring compliance with internal policies and regulatory requirements.
- Monitor credit portfolios and identify potential risks or changes in credit quality, recommending appropriate actions.
- Collaborate with Relationship Managers, Sales, and other internal stakeholders to structure credit facilities and facilitate client transactions.
- Stay abreast of industry trends, economic indicators, and regulatory changes impacting credit risk.
- Develop and maintain strong working relationships with clients and internal departments.
- Participate in client meetings and present credit analysis findings.
- Assist in the development and enhancement of credit risk models and analytical tools.
- Ensure all credit activities adhere to Morgan Stanley's risk appetite framework and regulatory guidelines.
Required Skills
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- 2-4 years of experience in credit analysis, corporate banking, or a related financial role.
- Strong understanding of financial statements, accounting principles, and financial modeling.
- Proficiency in Microsoft Excel for data analysis and financial projections.
- Excellent analytical, problem-solving, and decision-making skills.
- Solid written and verbal communication abilities.
- Demonstrated ability to work effectively in a team-oriented, fast-paced environment.
- High level of integrity, attention to detail, and a commitment to accuracy.
Preferred Qualifications
- Master's degree or MBA with a concentration in Finance.
- CFA designation or progress towards CFA candidacy.
- Experience with credit risk software and financial databases (e.g., Bloomberg, Capital IQ).
- Familiarity with various financial products, including loans, derivatives, and structured finance.
- Experience working with diverse industry sectors.
Perks & Benefits
- Comprehensive health, dental, and vision insurance plans.
- Generous paid time off and holidays.
- 401(k) retirement plan with company matching contributions.
- Opportunities for professional development and continuing education.
- Employee wellness programs and resources.
- Performance-based bonuses and incentives.
- Access to exclusive employee discounts and perks programs.
- Collaborative and inclusive work environment.
- On-site fitness centers or gym membership subsidies (where applicable).
How to Apply
Interested candidates are encouraged to apply immediately by clicking on the application link below. Please ensure your resume and cover letter clearly highlight your relevant experience and qualifications for this role. We appreciate all applications, but only selected candidates will be contacted for an interview.