Morgan Stanley

Senior Mortgage Underwriter - Vice President

Morgan Stanley$125K — $150K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years of experience in credit analysis and underwriting for high net-worth clients
  • Expert knowledge of credit risk and underwriting non-conforming, jumbo loans
  • Experience in private bank lending or commercial credit analysis is preferred
  • Background in pipeline management is preferred
  • Strong expertise in analyzing complex self-employed income and cash flow
  • Excellent conflict resolution and collaboration skills with senior leadership
  • College degree preferred, advanced degree a plus

Responsibilities

  • Underwrite and analyze complex mortgage loans for high net-worth clients
  • Manage and maintain a pipeline of complicated transactions
  • Provide guidance on complex income scenarios to team members
  • Analyze complicated income, business financial statements, and tax returns
  • Identify and recommend alternative financial solutions

Benefits

  • Opportunity to work in a dynamic environment across multiple U.S. locations
  • Exposure to high net-worth transactions and complex financial scenarios
  • Collaboration with experienced team members and senior leadership
  • Ability to influence underwriting standards and practices
  • Potential for personal and professional growth within the organization
Full Job Description
MSPBNA Home Loans is seeking a Sr. Underwriter who is an experienced mortgage professional. The successful candidate will possess a combination of deal structuring and underwriting skills with a proven track record of analyzing mortgage loans for borrowers with income streams with complex financial backgrounds. The individual ought to have a history of managing multiple tasks, meeting deadlines, and navigating competing priorities while demonstrating strong communication and analytical skills in a regulated financial environment.

This role will report to an assigned Regional Underwriting Manager and/or Credit Deputy and can be located in Coppell, Tempe or within the U.S.

Key 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 related to complex income scenarios to partners and junior team members
  • Perform complicated income, business financial statements and tax returns analysis.
  • Provide guidance as related to complex income scenarios and assist in identifying or recommending alternative solutions.


Required Qualifications, Capabilities and Skills:
  • 10+ years of experience credit analysis and underwriting for high net-worth individuals.
  • Expert level knowledge of credit risk and underwriting non-conforming, jumbo loans including property appraisals, title reports and entity documents.
  • Private bank lending, business relationship management or commercial credit analysis experience including providing business financing preferred.
  • Experience in pipeline management preferred.
  • Complex self-employed income analysis and cash flow expertise
  • Excellent conflict resolution skills and ability to collaborate with partner teams and communicate effectively with senior leadership.
  • College degree preferred or equivalent experience, advance degree a plus.


About Morgan Stanley

Morgan Stanley Investment Management are active managers of capital, working to outperform the market and deliver results for their clients. Morgan Stanley Investment Management's long-tenured professionals apply their experience and expertise across public and private markets, in single-sector, multi-asset and custom solutions.

Morgan Stanley Careers

Joining Morgan Stanley today means becoming part of a global team dedicated to strengthening communities, pioneering innovation, and fostering diversity. As a leading global financial services firm, Morgan Stanley offers unparalleled job opportunities, career growth, and a culture of leadership that together create an exceptional employment experience. Work You’ll Do At Morgan Stanley, you will collaborate with knowledgeable professionals to drive innovation and deliver solutions in financial services. Our team is composed of diverse, talented individuals who bring their unique skills and perspectives to work every day, setting the standard for leadership in the global market. Morgan Stanley is not just a company; it's a place where ambitious, creative, and skilled individuals can build a rewarding career. Here, you can experience the benefits of a vibrant culture dedicated to professional growth and diversity training. Internship Programs Kickstart your career with Morgan Stanley’s internship programs. These positions offer invaluable industry insights and professional experience to students and recent graduates. Interns at Morgan Stanley gain hands-on experience, working alongside seasoned experts in a dynamic, supportive environment. Innovation and Professional Growth We believe in the power of innovation to solve complex problems and encourage our team to think differently and act boldly. Morgan Stanley supports your career development through comprehensive training, development programs, and leadership workshops, ensuring that every employee has the tools they need to succeed. Join Our Team Explore the various job opportunities at Morgan Stanley, from entry-level positions to executive roles. We are hiring individuals who are passionate about finance and eager to contribute to a team that values integrity, excellence, and a forward-thinking mindset. Enhance your skills through our networking events, mentorship opportunities, and ongoing professional development. Stay Connected Keep up to date with the latest from Morgan Stanley Careers by subscribing to our job alert emails. Tailor your preferences to receive updates about new postings, career tips, and exclusive insights from our team leaders. Apply Now Ready to take the next step in your career? Search open positions that match your skills and interests on the Morgan Stanley Jobs portal. Prepare your resume, refine your interview techniques, and join a company that values innovation and leadership. At Morgan Stanley, we’re not just building careers—we’re developing leaders. Discover how far your talents can take you by joining our team today.
Learn more about Morgan Stanley
Size
77,000 employees
Market Cap
$144.1 billion
Industry
Net Income
$10.9 billion
Founded
1935
5 Year Trend
+10%
Revenue
$52 billion
NASDAQ

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