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Morgan Stanley is a global financial services leader with three core businesses - Institutional Securities, Asset Management, and Global Wealth Management. Global Wealth Management is offered by the Morgan Stanley Wealth Management (MSWM) franchise, which has one of the world's largest network of Financial Advisors. Morgan Stanley is pleased to announce that we are expanding our suite of world-class banking and lending products exclusively for our Financial Advisors and their clients. In addition to our comprehensive financial services, which include brokerage, investment advisor, financial and wealth planning, annuities, insurance and retirement, Morgan Stanley will develop and enhance their lending, trust and cash management capabilities. We believe that now is the perfect time to build and support a new venture along with our Global Wealth Management partners. 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.
Morgan Stanley Home Loans is expanding its retail Mortgage Lending Division. As part of Global Wealth Management Division (GWM), we have a partnership with Morgan Stanley's retail brokerage network that provides a limitless proprietary source of inbound business. The primary function of this role is managing a regional mortgage pipeline of high net worth clients ensuring a smooth and timely transition through the mortgage process, proactively managing all credit related issues, approving loans within assigned authority and communicating weekly pipeline status to constituents.
Morgan Stanley Home Loans is seeking an experienced, positive and motivated individual to join our underwriting team. The successful candidate will possess solid residential underwriting skills and experience underwriting jumbo mortgage loans for sophisticated borrowers with complex income streams.
Underwrite complex mortgage loans for high net worth clients
Perform complex income / tax return analysis
Approve loans within credit authority and in accordance with MSPBNA credit policy and credit culture
Proactively manage assigned pipeline
Assist in identifying or recommending alternative loan solutions
Ensure data accuracy
Manage prefund quality control errors to below 5%
Minimum 7 years' experience underwriting jumbo and/or non-conforming loans for high net worth individuals
Prefer private bank experience
Must have proven background with Self-Employed borrowers
Experienced underwriting non-conforming loans
Experience structuring and underwriting loans held in entities i.e. LLCs and Trusts
Pipeline management experience required
College degree required, advance degree a plus
Must have current knowledge of underwriting and credit risk principles
Strong knowledge of unique property vesting i.e. trusts and LLCs
Complex self-employed income analysis is a critical requirement
Excellent verbal and written communication skills
Extraordinary client service aptitude
Meticulous follow-up and follow through
Ability to work under tight timelines
Excellent attention to detail
Proficient with Microsoft Office suite
Internal Number: 5850203
About Morgan Stanley USA
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