UHNW Liquid Products Underwriter Vice President

UHNW Liquid Products Underwriter Vice President

Join to apply for the UHNW Liquid Products Underwriter Vice President role at Morgan Stanley

Morgan Stanley (“MS”) is a global financial services firm that conducts its business through three principal business segments—Institutional Securities, Wealth Management (“WM”), and Asset Management. The WM network includes almost 16,000 Financial Advisors and Private Wealth Advisors and is one of the world’s largest networks of Financial Advisors (“FAs”). MS has expanded its suite of world‑class banking and lending products exclusively for FAs and their clients.

In addition to our comprehensive financial services, which include brokerage, investment advisory, financial and wealth planning, annuities, insurance and retirement, Morgan Stanley has enhanced its lending, mortgage, cash management and deposit capabilities. By combining our lending financial services business with private banking products built specifically to service the needs of Financial Advisors and their clients, we can tailor banking and lending solutions to client needs.

The role will be located in Purchase, NY and will support and collaborate with the UHNW Senior Lending Transactors (“SLTs”) throughout the US. The primary focus is originating Life Insurance as Collateral and Securities Based Lending facilities on both the Bank and Broker‑Dealer platforms. The position goal is to support the SLTs in delivering the UHNW Lending product platform, including Tailored Lending.

• Pursuing UHNW Lending opportunities: evaluating the borrower, valuing collateral, and determining alignment with approved UHNW Lending programs.
• Drafting and negotiating Bank Letters of Interest (LOIs) under SLT guidance.
• Managing the transaction cycle through final credit approval, documentation, closing, and initial funding while coordinating with Credit Risk Management, FA, Private Bankers, Loan Operations, Compliance, In‑house Counsel and other parties.
• Meeting with clients and prospects with SLTs to develop/enhance relationships and identify opportunities.
• Collaborating with branch and complex teams to train front‑end sales on product awareness.
• Performing due diligence: evaluating financial and non‑financial information for opportunity assessment.
• Identifying key risks and mitigants and proposing structural protections or terms to mitigate such risk.
• Preparing or assisting with credit memoranda outlining transactions, purpose, strengths, risks, mitigants, financial/collateral analysis, and key terms.

• Bachelor’s Degree required;
  Advanced degree preferred.
• Minimum 5 years’ experience in lending origination and credit analysis;
  Private Banking lending experience is a plus.
• Formal credit training preferred.

• Strong communication skills and ability to articulate assessments clearly and professionally.
• Poise and presence combined with exceptional interpersonal skills to build relationships with sophisticated UHNW clients and advisors.
• Creativity and intelligent solutions in structuring sophisticated client transactions.
• Balance revenue expectations with risk requirements to meet client and firm interests.
• Excellent oral, written, and presentation skills.
• Detail orientation with exceptional analytical skills.
• Significant accounting and finance knowledge.
• Ability to meet deadlines and manage financial advisor and client expectations.
• Ability to multi‑task.
• Good collaboration skills in a team‑oriented environment.
• Travel required.

We are committed to maintaining the first‑class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values—putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back—guide our decisions. At Morgan Stanley you’ll work alongside the best and the brightest, in a supportive and empowered environment.

Our teams are relentless collaborators and creative thinkers, fueled by diverse backgrounds and experiences. We offer attractive and comprehensive employee benefits and perks, and ample opportunity to move…