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About the Role

Morgan Stanley is seeking a high-potential Lending Transactor to support and collaborate with Senior Lending Transactors in delivering the UHNW Lending product platform, with a focus on originating Life Insurance as Collateral and Securities Based Lending facilities.

Responsibilities

Support SLTs in delivering the UHNW Lending product platform, including Tailored Lending.
Originate Life Insurance as Collateral and Securities Based Lending facilities on both Bank and Broker Dealer platforms.
Assist SLTs with pursuing UHNW Lending opportunities, including evaluating borrowers, valuing collateral, and determining program alignment.
Underwrite transactions by performing due diligence, evaluating financial and non-financial information, and identifying risks and mitigants.
Prepare credit memoranda outlining transactions, purpose, strengths, risks, mitigants, and financial/collateral analysis.
Draft and negotiate Bank Letters of Interest (LOIs) under SLT guidance.
Assist SLTs in managing the transaction cycle through final credit approval, documentation, closing, and funding.
Coordinate with internal teams including CRM, FA, PBs, Loan Operations, Compliance, and In-house Counsel.
Meet with clients and prospects in coordination with SLTs to develop relationships and identify product opportunities.
Meet with branch and complex teams to heighten product awareness and train front-end sales on identifying potential product opportunities.

Requirements

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.

Skills

Strong oral and written communication/presentation skills.
Exceptional interpersonal skills to build relationships with sophisticated UHNW clients and their advisors.
Creativity and intelligent solutions in structuring sophisticated client transactions.
Ability to balance revenue expectations with risk requirements.
Detail orientation with exceptional analytical skills.
Significant accounting and finance knowledge.
Ability to meet deadlines and manage expectations.
Ability to multi-task.
Good collaboration skills in a team-oriented environment.

Location

Work Type

Full-time

Experience Level

Minimum 5 years experience

Education Level

Bachelor's Degree
Advanced degree preferred

Salary/Compensations

$85,000 - $140,000 per year

Benefits

Commission earnings
Incentive compensation
Discretionary bonuses
Other short and long-term incentive packages
Other Morgan Stanley sponsored benefit programs

About the Company

Morgan Stanley is a global financial services firm with three principal business segments: Institutional Securities, Wealth Management, and Asset Management.
The Wealth Management network includes almost 16,000 Financial Advisors and Private Wealth Advisors.
MS has expanded its suite of world-class banking and lending products exclusively for FAs and their clients.
Morgan Stanley offers comprehensive financial services including brokerage, investment advisory, financial and wealth planning, annuities, insurance, and retirement.
The company has enhanced its lending, mortgage, cash management, and deposit capabilities.
Morgan Stanley values include putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back.
The company supports employees and their families with comprehensive employee benefits and perks.
There is ample opportunity to move about the business for those who show passion and grit.

Equal Opportunity

Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background.
Recruiting efforts reflect a strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.
The workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.