Lending Transactor (LT) - Executive Director

Morgan Stanley • New York, NY

1d

About The Position

Morgan Stanley is seeking a high-potential Lending Transactor for its Wealth Management group to help grow the Lending Transactors Team serving high-net-worth clients. The role advises on large and complex securities-based lending transactions for high-net-worth borrowers in the Private Bank Group, working closely with the Head of HNW Lending Transactions and Senior Lending Transactors, as well as Private Bankers, Financial Advisors, Sales, Risk, Legal, Operations, and other partners.

The Lending Transactor manages the securities-based lending process, pipeline, loan quality, and structuring of complex transactions. The role ensures that controls and procedures support timely, accurate loan reviews and that credit quality, service, accuracy, and efficiency are maintained. It also contributes insight to the evolution of securities-based lending products and partners with product management and support teams to deliver solutions for this client segment.

Requirements

• At least 10 years of securities-based lending experience.
• Bachelor of Arts or Bachelor of Science degree.
• Creativity and sound judgment in framing 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 organizational strategic objectives and capabilities.
• Ability to communicate complex ideas and issues clearly and concisely.
• Strong attention to detail, organizational skills, and analytical skills.
• Ability to drive and support change management.

Nice To Haves

• Private Bank experience.
• Formal credit training.
• MBA or JD degree.
• 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.
• Develop and present solutions, advise on client transaction structures, and offer constructive alternatives.
• Understand the competitive environment 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 to advance loan requests.
• Provide subject matter expertise to support execution and closing of securities-based loans for non-resident high-net-worth clients.
• Collaborate with Regional Sales Managers, Private Bankers, Risk, Legal, Operations, and other partners.
• Develop and negotiate structuring recommendations within the Firm’s credit policy and philosophy.
• Analyze client financial information and securities collateral independently 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 guidelines.
• Cover securities-based lending requests for non-resident clients, including single-stock, concentrated-stock, and restricted-stock requests that can be addressed through SBL or margin product programs.
• Identify customer-experience gaps, translate them into actionable projects, and deliver enhancements.
• Build product awareness and understanding among Financial Advisors, Field Management, and Private Bankers.
• 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.
• Morgan Stanley-sponsored benefit programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Executive