Mortgage Banker

• Serve as the primary point of contact and Subject Matter Expert for client interactions, internal and external business partners, including Financial Advisors, their clients, and Private Bankers using a variety of communication types, including verbal (preferred) and written.
• Provide consultation and advise Morgan Stanley on the credit risk of high-net-worth clients and the appropriate/available products and pricing to meet the clients’ needs.
• Analyze client finances to provide tailored advice to the client on various loan products and other financial solutions to meet the client’s specific needs.
• Manage Client/FA/PB expectations and communication.
• Coordinate with and oversee various internal/external business partners such as underwriting and credit risk to ensure timely closings.
• Obtain, analyze, and validate all loan processing documents such as complex income, asset, credit, appraisal, insurance, and title documents to satisfy conditions for underwriting approval and product/pricing negotiations as necessary.
• Decision Conditional Pre-Approval Letters, within policy framework, while accurately identifying the appropriate lending guidelines and conditions for loan approval.
• Serve as the primary escalation point for loans in process; provide alternative solutions and discernment to
  ** ascertain
  * * further when necessary; demonstrate the ability to de-escalate situations as appropriate.
• Manage inbound /outbound queue, multiple call campaigns, and various bank initiatives, along with intense client follow-up.
• Effectively manage a complex pipeline that includes Ultra High Net Worth and Private Wealth Management mortgage transactions.
• Supervise an individual or team of Associate Mortgage Bankers, assessing performance, holding these employees accountable and recommending advancement, compensation or performance management to the Mortgage Banker Manager.
• Provide training and guidance to Associate Mortgage Bankers, partners and peers as appropriate.
• Ensure compliance with banking regulations and company policies.

• Requires 10+ years of Wealth Management/Private Bank mortgage lending experience.
• Currently holding position of Vice President (or equivalent) or higher.
• High school diploma or equivalent required.
• Eligible for employment with an FDIC-insured institution and able 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 the compliance regulations and laws that govern consumer mortgage lending, including fair lending, privacy, RESPA, and TRID.
• Strong communication skills, both written and verbal, and interpersonal skills required.
• Self-starter with a strong sense of ownership; ability to manage time, prioritize and plan accordingly.
• Proficient in the use of a variety of systems for accurate reporting and tracking; including MS Office (Word, EXCEL, Outlook, PowerPoint).

Demonstrates extensive knowledge of mortgage products and compliance regulations, with a proven ability to manage client relationships and achieve loan production goals. Capable of providing tailored financial solutions and training to team members while ensuring adherence to banking policies.

• Wealth Management Experience
• Mortgage Lending Expertise
• Client Relationship Development
• Compliance Knowledge
• Team Leadership

• Mortgage Products Knowledge
• Loan Processing
• Credit Risk Analysis
• Financial Consultation
• Pipeline Management

• Strong Communication Skills
• Interpersonal Skills
• Self-Starter
• Time Management
• Problem-Solving

• NMLS Registration

• Private Banking
• High-Net-Worth Clients
• Consumer Mortgage Lending
• RESPA
• TRID

• MS Office
• Loan Processing Systems