Morgan Stanley

Private Bank Ultra High Net Worth Lending Transactor – Alternatives Vice President

Morgan Stanley

full-time

Posted on:

Location Type: Office

Location: New York City • Illinois • New York • United States

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Salary

💰 $110,000 - $190,000 per year

Job Level

Lead

About the role

  • Assess potential lending solutions, which will include (i) evaluating a client’s overall financial profile; (ii) analyzing proposed collateral; and (iii) determining if the opportunity aligns with one of the approved Ultra High Net Worth Lending Programs.
  • Perform the appropriate level of due diligence, including evaluating appropriate financial and non-financial information to properly assess a lending opportunity.
  • Identify key risks and mitigants related to a lending opportunity and propose effective deal structures to effectively mitigate these risks.
  • Draft and negotiate term sheets for clients in coordination with Private Bankers and Private Wealth Financial Advisors.
  • Prepare and assist with the preparation of credit memoranda clearly outlining the proposed transaction, purpose, strengths, risks and mitigants, financial analysis and other key terms and conditions.
  • Efficiently manage transaction cycle through final credit approval, documentation, closing and funding of a transaction ensuring timely coordination with Credit Risk Management, Private Bankers and Private Wealth Financial Advisors, Loan Operations, Compliance, Legal and all other parties involved in the specific transaction.
  • Efficiently manage active deal pipelines while balancing client expectations.
  • Meet with clients to develop and enhance client relationships and identify potential lending opportunities.
  • Meet with branch and complex teams to heighten product awareness and collaborate with the Private Bank’s sales partners to identify opportunities.
  • Undertake projects from time-to-time to enhance deal pipelines and/or improve operating efficiencies of the team.
  • Develop and mentor junior colleagues on the team.

Requirements

  • 5 years minimum of private bank lending experience (alternative asset lending experience preferred)
  • Bachelor’s degree required
  • Master’s degree and/or CFA designation preferred
  • Comfortable reading and interpreting corporate and personal financial statements
  • High level of focus on work quality and attention to detail
  • Strong written and verbal communication skills with the ability to articulate your assessment in a clear and professional manner
  • Maintain poise and presence coupled with exceptional interpersonal skills to build relationships with sophisticated clients
  • Demonstrate creativity and intelligent solutions in structuring complex client transactions
  • Balance revenue expectations with Morgan Stanley’s risk criteria while delivering appropriate lending solutions that meet clients’ needs
  • Significant accounting and finance knowledge
  • Ability to meet deadlines and manage client expectations
  • Ability to multi-task and collaborate effectively in a team-oriented environment
Benefits
  • Some of the most attractive and comprehensive employee benefits and perks in the industry
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
private bank lendingalternative asset lendingfinancial analysiscredit memoranda preparationdue diligencerisk assessmentdeal structuringfinancial statement interpretationtransaction managementaccounting knowledge
Soft Skills
attention to detailwritten communicationverbal communicationinterpersonal skillsrelationship buildingcreativityproblem-solvingtime managementcollaborationmentoring
Certifications
Bachelor's degreeMaster's degreeCFA designation