UHNW Mortgage Underwriter

Job Description We are seeking a UHNW Mortgage Underwriter for Morgan Stanley Private Bank National Association to lead underwriting of complex mortgage loans for high-net-worth clients within Global Wealth Management. 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 regarding 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 required, including providing business financing. Minimum 10 years’ experience in credit analysis and underwriting for high‑net‑worth individuals. Experience underwriting non‑conforming loans. Experience structuring and underwriting loans held in entities such as LLCs and trusts. Pipeline management experience required. 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 (terms, covenants, etc.) and impact on residential mortgage product. Excellent verbal and written communication skills, ability to articulate borrower’s financial profile and associated risks. Comfortable working with Family Offices, CPAs, CFOs, Business Managers, and Financial Advisors. Superior knowledge of underwriting and credit risk principles. Ability to recognize, mitigate, and raise risk where appropriate. Strong knowledge of unique property vesting in trusts and LLCs. Experience with complex self‑employed income analysis. Collaboration with 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 and maintain high attention to detail. High proficiency with Microsoft Excel and the Office suite. Benefits and Culture Morgan Stanley offers a comprehensive employee benefits package, a supportive work‑life environment, and opportunities for career growth across a global network. Informed by its commitment to diversity and inclusion, it is an equal‑opportunity employer. For more information on this commitment, please visit the EEO statement. #J-18808-Ljbffr