Executive Director, Lending Advisor

Morgan Stanley Private Bank, N.A. seeks an Executive Director, Lending Advisor in Menlo Park, California

Design lending solutions for International Wealth Management clients. Meet with clients and prospects to support relationship development and discuss specific lending opportunities. Provide subject matter expertise to help identify and execute lending requests from new and existing clients. Assess potential lending opportunities by performing due diligence on financial and non-financial information. Create and review credit memos. Negotiate terms on proposed credit transactions.

Manage the transaction pipeline, balancing client expectation and timely execution. Provide support to key clients in anticipation of any amendments or lending needs. Escalation management for new transactions. Drive growth across all lending solutions for UHNW clients. Partner with IPBs, Advisors and Field leaders to support growth initiatives including, product awareness, advisor recruiting, NAA strategies, and the integrated Firm. Meet with clients and prospects in partnership with IPB and Advisors fostering client relationships by analyzing and providing creative solutions to clients’ liquidity needs.

Drive transaction analysis and support the structuring of complex credit transactions for UHNW clients and prospects. Partner with Product partners ( HNW Lending, Tailored Lending), Legal, WM Risk and Credit Risk Management (“CRM”) to design optimal credit proposals in line with the Firm’s risk appetite and product guidelines, while adhering to the international lending control framework. Provide business support to all complex credit transactions from a designated market.

Position requires 2-3 days of domestic (i.e., within the United States) travel each month, including but not limited to travel within the State of California to the cities of Los Angeles, Beverly Hills, San Diego, San Francisco, and Silicon Valley.

Salary:

Expected base pay rates for the role will be between $299,000 and $299,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.

Requirements:

Requires a Bachelor’s in Information Science, Finance, or a related field and five (5) years of experience in the position offered or five (5) years as a Managing Director, Director, Vice President, or a related field. Five (5) years of experience with: credit origination or credit underwriting experience in a Private Banking or Broker-Dealer platform; underwriting across different asset classes including: portfolio of marketable securities (e.g., equities, investment and non-investment grade bonds, offshore mutual funds, ), commercial real estate, art, aircraft, hedge funds;

securities market exchanges across LATAM, EMEA, Asia international markets;
Letters of Credit operations, foreign exchange markets, and life insurance structures; offshore wealth-structuring jurisdictions and structures including Personal Holding Companies, Private Investment Companies, and Trusts; the regulatory environment and enhanced due diligence requirements applicable to global clients;
Financial regulations including Reg U, Reg T, Rule 11d-1, and Reg W; leveraging accounting, economics, finance, and credit knowledge to create sound credit proposals; managing individual transactions by coordinating with different product and functional partners; business development and partnering with internal and external stakeholders; driving lending strategies; cultivating relationships with high-net-worth individuals; balancing the liquidity needs of wealth management clients in the international segment against risk frameworks;

wealth management lending and international markets; and delivering results in a dynamic regulated client-centric environment.

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