Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The firm serves clients worldwide including corporations, governments, and individuals from more than 1,200 offices in 43 countries.

The cornerstone of Morgan Stanley's risk management philosophy is the execution of risk‑adjusted returns through prudent risk‑taking that protects the firm's capital base and franchise. Credit Risk Management (CRM) evaluates credit risk transactions and approves, rejects or modifies them considering the availability and appropriateness of arrangements for reducing risk or risk mitigation. The department also assigns internal credit ratings; establishes and manages credit risk limits in accordance with the risk tolerance established by the Board; and monitors and reports on credit risk exposures to the Chief Risk Officer and firm ...