Mortgage Banker

Vice President, Mortgage Banker

Morgan Stanley Private Bank, National Association seeks a Vice President, Mortgage Banker to support the Morgan Stanley Home Loans team with high‑net‑worth and ultra‑high‑net‑worth mortgage origination.

• Serve as the primary point of contact and subject‑matter expert for client interactions and internal/business partners.
• Provide consultation on credit risk and appropriate loan products, including pricing and product selection for high‑net‑worth clients.
• Analyze client finances and advise on loan products and other financial solutions tailored to client needs.
• Manage client, Financial Advisor, and Private Banker expectations and communications.
• Coordinate with underwriting and credit risk to secure timely closings.
• Obtain, analyze, and validate all loan‑processing documents—including complex income, asset, credit, appraisal, insurance, and title documents—to meet underwriting conditions.
• Decide Conditional Pre‑Approval Letters within policy, correctly applying lending guidelines and conditions.
• Act as the primary escalation point for loans in process; provide alternative solutions and resolve escalations when necessary.
• Manage inbound and outbound queues, multiple call campaigns, and bank initiatives, ensuring thorough client follow‑up.
• Effectively manage a complex pipeline that includes Ultra High Net Worth and Private Wealth Management mortgage transactions.
• Supervise and assess performance of Associate Mortgage Bankers, holding them accountable, recommending advancement, compensation and performance management to the Mortgage Banker Manager.
• Provide training and guidance to associates, partners, and peers as appropriate.
• Ensure compliance with banking regulations and company policies.

• 10+ years of wealth‑management or private‑bank mortgage lending experience.
• Currently holding a Vice President (or equivalent) position or higher.
• High school diploma or equivalent.
• Eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) as a mortgage loan originator.

• Established track record of developing and maintaining client relationships.
• Ability to meet individual and organizational loan production goals while maintaining a large client base.
• Extensive knowledge of mortgage products and client‑service experience.
• In‑depth knowledge of compliance regulations and laws governing consumer mortgage lending, including fair lending, privacy, RESPA and TRID.
• Strong written and verbal communication and interpersonal skills.
• Self‑starter with a strong sense of ownership and ability to manage time, prioritize and plan accordingly.
• Proficiency in systems for accurate reporting and tracking, including MS Office (Word, Excel, Outlook, PowerPoint).
• Proactive management of loan escalations to ensure timely resolution and enhanced client experience.

• Base salary expected between $110,000 and $190,000 per year at commencement of employment.
• Compensation may also include commission earnings, incentive compensation, discretionary bonuses, and other short‑ and long‑term incentive packages.
• Other benefit programs are sponsored by Morgan Stanley as part of the total compensation package.

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.