We are seeking an Analyst to join the Credit Risk Management team in Latin America, based in São Paulo. The role will focus on the coverage of financial institutions, with primary exposure to Brazil and broader LATAM markets. The successful candidate will perform fundamental credit analysis of banks and non-bank financial institutions, support transaction approvals across products, and actively monitor a diversified portfolio of counterparties. The role provides significant exposure to senior stakeholders across Front Office and Risk, as well as interaction with global teams in a dynamic, transaction driven environment. Key Responsibilities Fundamental Credit Analysis Conduct detailed credit analysis of financial institution counterparties, including banks, broker dealers and non-bank FIs Analyze financial statements, capital adequacy, asset quality, funding and liquidity profiles, and profitability metrics Assess probability of default, loss given default, and assign internal risk ratings Prepare clear, concise credit memoranda and present recommendations to approval committees Transaction Review & Approval Evaluate counterparty risk across lending, capital markets and derivatives transactions Partner with Front Office to assess risk/return profiles and propose appropriate risk limits Support onboarding and due diligence of new counterparties Portfolio Monitoring & Risk Management Monitor portfolio performance, including financial trends, market developments and external rating actions Identify early warning signals, including liquidity pressures, asset quality deterioration and capital deterioration Propose and implement risk mitigation actions where appropriate Maintain timely and accurate credit reviews and internal documentation Stakeholder Management Collaborate closely with Coverage, Trading, Legal, Compliance and other control functions Interface with regional and global Risk teams to ensure consistency in risk frameworks and decisions Risk Governance & Controls Ensure adherence to internal risk policies, regulatory requirements and governance standards Contribute to internal reporting, risk committees and audit-related processes Qualifications Bachelor’s degree in Finance, Economics, Engineering or related disciplines Up to 3 years of experience in Credit Risk, Corporate Banking, Investment Banking or related areas Strong experience in financial statement analysis and credit fundamentals Solid understanding of financial institution credit, including bank balance sheet dynamics Knowledge of derivatives and counterparty risk exposure is a plus Advanced Excel skills; financial modeling experience preferred Skills & Competencies Strong analytical and quantitative skills Ability to synthesize complex information and present clear risk recommendations High attention to detail and strong risk discipline Effective communication and stakeholder management skills Ability to work under pressure in a fast-paced, global environment Why Join the Team Exposure to a broad range of financial institution credits across Latin America Close interaction with senior stakeholders and global teams Opportunity to build deep expertise in credit risk within a leading global institution Dynamic and collaborative environment with strong learning and development opportunities WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 85 years. 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