Morgan Stanley is a global financial services firm that conducts its business through three principal business segmentsInstitutional Securities, Wealth Management, and Asset Management. Wealth Management provides comprehensive financial advice and services to its clients including brokerage, investment advisory, financial and wealth planning, credit & lending, deposits & cash management, annuities, insurance, retirement, and trust services.

Morgan Stanley Private Bank, National Association (MSPBNA), as part of Wealth Management, offers banking and credit products and services, including securities-based lending, mortgage loans and home equity lines of credit primarily to Morgan Stanley Wealth Managements high net worth clients.

MSPBNA Home Loans is seeking a Sr. Underwriter who is an experienced mortgage professional. The successful candidate will possess a combination of deal structuring and underwriting skills with a proven track record of analyzing mortgage loans for borrowers with income streams with complex financial backgrounds. The individual ought to have a history of managing multiple tasks, meeting deadlines, and navigating competing priorities while demonstrating strong communication and analytical skills in a regulated financial environment.

This role will report to an assigned Regional Underwriting Manager and/or Credit Deputy and can be located in Coppell, Tempe or within the U.S.

Key Responsibilities:

• Underwrite and analyze multifaceted mortgage loans for high net-worth clients within delegated credit authority and in accordance with MSPBNA credit policy, lending standards and risk appetite.

• Proactively and effectively manage and maintain a pipeline of complex transactions.

• Provide guidance related to complex income scenarios to partners and junior team members

• Perform complicated income, business financial statements and tax returns analysis.

• Provide guidance as related to complex income scenarios and assist in identifying or recommending alternative solutions.

Required Qualifications, Capabilities and Skills:

• 10+ years of experience credit analysis and underwriting for high net-worth individuals.

• Expert level knowledge of credit risk and underwriting non-conforming, jumbo loans including property appraisals, title reports and entity documents.

• Private bank lending, business relationship management or commercial credit analysis experience including providing business financing preferred.

• Experience in pipeline management preferred.

• Complex self-employed income analysis and cash flow expertise

• Excellent conflict resolution skills and ability to collaborate with partner teams and communicate effectively with senior leadership.

• College degree preferred or equivalent experience, advance degree a plus.

WHAT YOU CAN EXPECT FROM MORGAN STANLEY:

At Morgan Stanley, we raise, manage and allocate capital for our clients helping them reach their goals. We do it in a way thats differentiated and weve done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - arent just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, youll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. Theres also ample opportunity to move about the business for those who show passion and grit in their work.

To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.

Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.

Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.

For more information, please visit: https://www.morganstanley.com/people-opportunities/eeo.