UHNW Mortgage Underwriter

UHNW Mortgage Underwriter Morgan Stanley Home Loans is seeking an experienced, positive and motivated underwriter to join our Home Loans underwriting team. The successful candidate will possess a combination of deal structuring and underwriting skills and experience underwriting mortgage loans for sophisticated borrowers with complex income streams. Position 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 on complex income scenarios to partners and junior team members. Perform complicated income, business financial statement and tax return analysis. Assist in identifying or recommending alternative loan solutions. Provide onboarding and training to new team members. Qualifications - External Private bank lending experience, business relationship management or commercial/structured credit analysis experience, including providing business financing. Minimum 10 years’ experience credit analysis and underwriting for high net‑worth individuals. Experience underwriting non‑conforming loans. Experience structuring and underwriting loans held in entities (e.g., LLCs and Trusts). Pipeline management experience. College degree preferred or equivalent experience; advanced degree a plus. Skills/Abilities Ability to comprehend business financial statements and personal tax returns. Understanding of structured credit transactions, including terms, covenants, etc., and impact on the residential mortgage product. Excellent verbal and written communication skills, including ability to articulate the borrower’s financial profile and associated risks. Comfortable working with Family Offices, CPAs, CFOs, Business Managers, Financial Advisors, etc. Superior knowledge of underwriting and credit risk principles. Ability to recognize, mitigate and escalate risks where appropriate. Strong knowledge of unique property vesting (trusts and LLCs). Complex self‑employed income analysis is a critical requirement. Ability to partner and collaborate with a deal team (Mortgage Consultants, Relationship Managers, loan processors, Private Banker and Financial Advisors) and Structured Credit partners. Experience with wealth management clients. Extraordinary client service aptitude. Meticulous follow‑up and follow‑through. Ability to work under tight timelines. Excellent attention to detail. High level of proficiency with Microsoft Excel; proficient with Microsoft Office suite. Equal Opportunity 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. For more information, please visit: #J-18808-Ljbffr