Senior Mortgage Underwriter - Vice President
About The Position
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 Management’s 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.
Requirements
- 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.
- 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.
Nice To Haves
- Private bank lending, business relationship management or commercial credit analysis experience including providing business financing preferred.
- Experience in pipeline management preferred.
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.
Benefits
- Comprehensive employee benefits and perks in the industry.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
Associate degree
