![]() Manage expectations through active communication with FA and/or Sales Coverage Manage all loan requests within stated turn times unless justified as an exception. Work closely with the Operations area and Legal Department in preparation of amendments, waivers, and loan documents Work with internal and external legal counsel to prepare loan documents. Demonstrate acceptable level of preparation and knowledge Articulate recommendation in a clear, concise and informed manner. ![]() Make approval or decline recommendations. Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigants Provide input on due diligence on new credit requests, modifications, renewals and increases for existing clients including credit analysis, financial statement analysis, client calls and visitsĭevelop and negotiate structuring recommendations within framework of firm’s credit policy and philosophy. Make timely recommendations regarding changes in credit classification and risk rating. Perform regular financial, credit and lien checks. Identify early warning signals in deteriorating credits. PM is required to keep the Financial Advisor informed of relationship status and action plans on an ongoing basisĮnsure loan documentation accurately represents the terms of the loan approval and permits Morgan Stanley to enforce its rights on the collateral in a default situation Keep current on major developments and changes in financial condition and identification of potential additional financing needs In conjunction with Financial Advisor, maintain frequent communication with the Borrower and the Borrower’s financial advisors. Monitor the value/condition of the collateral Monitor the ongoing financial condition and performance of the Borrower. Complete within designated due dates Annual Reviews, Renewals, Amendments and the underwriting of new extensions of credit to portfolio clients.Timely transition loans from Underwriting to Portfolio Management with a thorough review of the credit including, but not limited to, ensuring that: (i) loan documentation accurately represent the terms of the credit approval memorandum and permits Morgan Stanley to enforce its rights on the collateral in a default situation (ii) Internal Credit Ratings are current and accurately reflected in the reporting systems and (iii) financial covenant and financial reporting trackers are accurate. ![]()
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