Corporate & Investment Banking Coverage - Technology verticalResponsible for management and execution of lending transactions from the point of origination to deal closing. Companies range from Venture Debt clients to large-cap corporates in the technology sector.Responsible for monitoring of a portfolio of clients, including periodic credit reviews and executing amendments. When applicable, assist with transactions involving technology corporates led by product teams, including but not limited to structured finance, trade finance, project finance, and derivatives.

Teams: Healthcare, Loan Restructuring/Workout Provide an assessment of the creditworthiness of non-financial corporates in connection with Morgan Stanley’s lending activities and certain derivative transactions. Duties include performing extensive financial and qualitative due diligence, determining key credit strengths and weaknesses, and assigning internal credit ratings. Areas of focus for due diligence include, but are not limited to, analysis of historical and projected financials (including building model cases); analysis of covenants, capital structure, and leverage (including relevant EBITDA adjustments); analysis of free cash flow and other metrics related to debt repayment capacity; running discounted cash flow analyses to determine enterprise value; and speaking with clients/sponsors directly to discuss key diligence focus items.Work with business partners in Investment Banking and Global Capital Markets to prepare lending approval materials for both committed financing transactions and best-efforts transactions. Transactions include both relationship lending and lending in connection with corporate events such as M&A transactions and recapitalizations. In-scope lending products include revolving credit facilities, term loans, and bridge facilities.Perform due diligence and provide Credit views and/or approval in conjunction with corporate derivative transactions such as interest rate and cross currency swaps.Assist with ongoing portfolio monitoring, including performing annual, quarterly, and other interim reviews for borrowers. Reviews typically involve both financial and qualitative due diligence (including refreshing model cases as needed) in order to determine whether any rating actions are necessary.

Assisted in the management of policies and procedures governing and detailing Credit Risk Management’s ("CRM") roles and responsibilities for identifying, assessing, monitoring, controlling, and reporting credit risk at Morgan Stanley and its global subsidiaries. Areas of focus included Wealth Management lending and brokerage (including the integration of E*TRADE entities into Morgan Stanley), institutional traded products, CCAR stress testing, prime brokerage, and the maintenance of credit limits globally (primarily in the U.S., EMEA, and Asia).Assisted in managing credit limit frameworks globally, including updating applicable policies, procedures, and IT systems whenever limits changed; assisted in governance matters relating to the approval of limit changes, including the determination of requisite committee and/or manager approvals.Assisted in credit regulatory exams and internal audits; project planning and monitoring of finding remediation (including development and execution of remediation action plans); and gap assessments to develop and/or enhance credit policies and procedures.Managed CRM-related ad hoc requests from regulators; worked with relevant subject matter experts and senior managers in CRM to provide timely and accurate responses.Assisted in the production of monthly global notifications regarding recent material updates to credit risk policies and procedures, as well as updates to regional committees globally.Maintained trackers of the dates of committee meetings and timelines for the approval of major policies.Assisted in drafting minutes for Firm Credit Risk Committee.

Ran a pilot program to test customer interest in a deposit product offered by a third-party vendor- Briefed the Line of Business Manager and Group Managers within Government Banking on the product, and took initiative in coordinating the training of operations and accounting personnel in order to properly onboard customers and perform G/L reconciliation; helped successfully onboard the first customerAssisted in a bank-wide project to comply with new regulation from the FDIC involving proper calculation of deposit insurance; worked with consultants and stakeholders within Commercial Banking to draft a procedure manual requiring approval from the COO, and assisted in testing IT infrastructure changesWorked in a team of 6 Management Development Program Trainees on a project intended to recommend improvements to the current loan approval process for Commercial Real Estate deals over $10MM; the project involved interviewing sales teams as well as senior managers within Credit, including the Chief Credit OfficerCompleted and sent out regular reports on internal balances and competitive deposit rates in order to properly inform sales and senior management about the current state of commercial deposits

Conducted a data sourcing analysis to support CECL model implementation requirements and movement of all CCAR models into a new execution platform; worked with the modeling teams and technology to document all model inputs and trace the inputs back to their original source systems - The analysis involved tracing the full lineage of 592 data inputs spanning 12 separate CECL models, plus documenting thousands of inputs for 35 additional CCAR modelsRevised and reformatted the primary document for reporting stress test preliminary credit loss estimates through editing the underlying VBA code to support both CCAR and DFAST reportingJoined two peer groups as part of a Treasury-wide innovation effort; one group developed a plan to create a bank-wide marketplace to promote the creation and utilization of shared resources and the other group focused on improving the department's resources for sharing modeling data using SharePoint

Duties included:-Attending policy briefings and writing memos to brief staff, as well as researching legislation passing through the House-Conducting tours of the U.S. Capitol for constituents -Communicating with constituents and concerned citizens and summarizing their concerns through Intranet Quorum to be personally conveyed to the Congressman via the Legislative Correspondent

Worked directly with the Senior Managing Director and Associate on M&A, financing, and corporate partnering transactions within the healthcare industrySelected Transaction Experience:-Helped build a valuation model and accompanying presentation for an M&A transaction involving a clinical stage biopharmaceutical company valued at approximately $170 million-Researched public and financing comparables and helped build a pitch book for a pre-revenue medical technology company-Conducted due diligence for a potential $400 million reverse IPO by screening over 100 pharmaceutical and biotechnology companies each week to find companies with negative enterprise valuations and clinical pipelines that match the client’s therapeutic focusOther duties included: sitting in on meetings and telecommunications with clients, prospective clients, and counterparties; conducting general market research and due diligence for active and potential deals; compiling lists of counterparties for active deals; and preparing documents and presentations for clients, prospective clients, and counterparties

Collected water use data for the majority of homes in Erie County, New York, which encompasses over 500,000 people