Lending Transactor (LT) - Executive Director
About The Position
Morgan Stanley is seeking a high-potential Lending Transactor to help grow the Lending Transactors Team within Wealth Management. The role advises on large and complex securities-based lending transactions for high-net-worth borrowers in the Private Bank Group, partnering with the Head of HNW Lending Transactions, Senior Lending Transactors, Private Bankers, Financial Advisors, Sales, Risk, Legal, Operations, and other stakeholders. The position supports clients and internal partners while ensuring risk is appropriately managed and delivering quality private banking solutions. The Lending Transactor manages the securities-based lending process, pipeline, loan quality, and structuring of complex transactions for high-net-worth clients. The role ensures that appropriate controls and procedures support timely and accurate loan reviews, with a focus on credit quality, service, accuracy, and efficiency. It also provides insight and support for the evolution of the securities-based lending product offering and works with product management and support teams to deliver solutions for this client segment.
Requirements
- Minimum 10 years of securities-based lending experience.
- Bachelor of Arts or Bachelor of Science degree required.
- Creativity and sound judgment in developing solutions for private banking transactions.
- Excellent verbal, written, and presentation skills.
- Ability to meet deadlines, multitask, and manage expectations.
- Results-oriented approach and a track record of delivering impactful results in a dynamic, client-centric environment.
- Strong interpersonal skills for communicating with sophisticated clients, financial advisors, and senior stakeholders.
- Thorough understanding of the organization’s strategic objectives and capabilities.
- Ability to communicate complex ideas and issues clearly and concisely.
- Attention to detail and strong organizational and analytical skills.
- Ability to drive and support change management.
Nice To Haves
- Private Bank experience.
- Formal credit training.
- MBA or JD.
- People leadership experience.
Responsibilities
- Work with Private Bankers and Risk to execute and close securities-based loans, including margin and bank loans, for high-net-worth clients.
- Manage the securities-based lending underwriting pipeline and workflow to meet service levels and manage team production.
- Monitor workflow and daily productivity, and ensure controls and procedures are documented, maintained, and followed.
- Prepare and issue senior management reports involving sophisticated liquidity analyses of securities-based loans.
- Recommend enhancements to credit policy to meet business needs.
- Build a reputation for execution and excellence and gain the confidence of Firm partners.
- Develop and present solutions, advise on structuring client transactions, and offer constructive alternatives.
- Understand the competitive environment for securities-based lending and develop strategies to retain and win business.
- Organize, manage, control, and evaluate standards and controls for timely and accurate execution of decisions.
- Work with Private Bankers, Financial Advisors, and members of clients’ inner circles—including business managers, family offices, and CPAs—to advance loan requests.
- Provide subject matter expertise to support Private Bankers and Financial Advisors in executing and closing securities-based loans for non-resident high-net-worth clients.
- Collaborate with Regional Sales Managers, Private Bankers, Risk, Legal, Operations, and other partners to support the Firm’s private banking offering.
- Develop and negotiate structuring recommendations within the Firm’s credit policy and philosophy.
- Act as a subject matter expert, including independently analyzing client financial information and securities collateral to determine appropriate solutions.
- Assist in developing long-term product and service roadmaps for marketplace differentiation and new revenue potential.
- Manage exception pricing approvals for securities-based lending products in accordance with Pricing Exception Guidelines.
- Cover securities-based lending requests for non-resident clients, including single or concentrated stock and restricted stock requests that can be met within SBL or Margin Product Programs.
- Identify customer-experience gaps, translate them into actionable projects, and deliver enhancements.
- Build awareness and understanding among Financial Advisors, Field Management, and Private Bankers about the relevance and application of products within high-net-worth lending.
- Perform additional responsibilities as required by management.
Benefits
- Comprehensive employee benefits and perks.
- Commission earnings, incentive compensation, discretionary bonuses, and other short- and long-term incentive packages may be included depending on the position.
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What This Job Offers
Job Type
Full-time
Career Level
Executive
