Mortgage Pricing & Analytics, Associate​/AVP

Assistant Vice President/Associate, Mortgage Pricing & Analytics
Private Bank | Home Loans | Morgan Stanley

Join a high-impact team shaping how we price, analyze, and deliver mortgage solutions for Morgan Stanley’s Wealth Management clients. As an AVP/Associate in Mortgage Pricing & Analytics, you’ll operate at the intersection of strategy, analytics, and execution - driving decisions that directly influence growth, profitability, and client experience.

• Own and evolve mortgage pricing strategies across products and client segments
• Translate market trends, competitive dynamics, and portfolio performance into actionable insights
• Partner across Sales, Finance, Treasury, Risk, and Product to deliver timely, data-driven pricing decisions
• Build, enhance, and automate analytics to inform rate setting, profitability, and deal structuring
• Support ad hoc analysis and strategic initiatives in a fast-paced, dynamic environment

• Ownership mindset – you take initiative and deliver end-to-end outcomes
• Curiosity – you challenge assumptions and dig into the “why” behind the data
• Relationship builder – you collaborate and influence across teams and seniority levels
• Subject matter expertise – strong grounding in mortgage products, pricing, or financial analytics
• Attention to detail – you balance precision with speed
• Resourcefulness – you navigate ambiguity and find solutions
• Versatility – you’re comfortable wearing multiple hats

• 4+ years of experience in mortgage pricing, banking, financial services, or analytics-driven roles
• Bachelor’s degree in Finance, Economics, Business, Data Analytics, or a related field (advanced degree a plus)
• Strong understanding of mortgage products, rate sheets, and pricing dynamics preferred
• Solid grasp of P&L drivers, profitability analysis, and financial modeling
• Advanced Excel and VBA skills (modeling, scenario analysis, data manipulation)
• Experience with data visualization tools (e.g., Tableau, Power BI)
• Familiarity with SQL or other data querying tools is a plus
• Exposure to AI/automation tools (e.g., Python, Alteryx, or similar) to enhance analytics and efficiency
• Ability to work with large datasets and translate insights into business decisions

Associate
- Expected base pay rates for the role will be between $70,000 and $115,000 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.

AVP
- Expected base pay rates for the role will be between $85,000 and $140,000 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.

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.

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