Morgan Stanley is a global financial services leader with three core businesses – Institutional Securities Group, Wealth Management, and Investment Management. Wealth Management is offered by the Morgan Stanley Wealth Management ("MSWM”) franchise, which has one of the world’s largest networks of Financial Advisors.
The International Wealth Management (“IWM”) segment within MSWM expanded the suite of world-class banking and lending solutions for International Client Advisors (“ICA”) and their clients. In addition to the Firm’s comprehensive financial services, which include brokerage, investment advisory, financial and wealth planning, Morgan Stanley developed and enhanced their lending, and cash management capabilities, by combining the lending financial services business with private banking products built specifically to service the needs of ICAs and their clients.
International Banking Lending (“IBL”) within the Private Banking Group (“PBG”) is focused on origination and execution of international lending transactions across WM lending platforms (e.g. ECL, LAL, Margin, Letters of Credit, Tailored Lending), providing ICAs and their clients with customized lending solutions to meet the liquidity needs of global families residing in approved jurisdictions. The ILS is co-located with ICAs and will coordinate activities across their market in partnership with International Lending Advisor (“ILA”), International Private Bankers (“PB”) and Product Partners, as applicable.
Position Summary
The ILS will partner and collaborate with ILAs, ICAs, PBs, Product, Legal, Operations, and other support areas of MSWM in the credit structuring, analysis, and execution of lending transactions for international clients across WM lending platforms (i.e. ECL, LAL, Margin, Letters of Credit, Tailored Lending). Securities-based lending transactions will be a key focus as they represent most transactions the ILS will structure and analyze. For Tailored Lending (TL) transactions, the ILS will support the ILA who will partner with the TL Product Group in the structuring and execution of the transaction. The ILS role will involve active client engagement and support for Branch leadership on recruitment activities in partnership with the ILA.
Primary Responsibilities
Client and Field Engagement
• Support ILA, ICA, and PBs with relationship development and discuss/review specific lending opportunities.
• Provide subject matter expertise to help identify and execute lending requests from new and existing clients.
• Support Branch management by providing insight on the competitive landscape in the lending business.
Credit Structuring, Analysis, and Execution
• Assess potential lending opportunities by performing the appropriate level of due diligence on financial and non-financial information, including: (i) evaluating the Borrower, pledgor, and/or guarantor; ii) evaluation of the underlying collateral;
iii) covenants and overall credit structure; iv) identifying key risks and mitigants and proposing potential structural protections and other conditions that may mitigate such risk; (v) determining if the opportunity aligns with one of the approved lending product programs.
• Create credit memos to ensure they clearly outline the transaction, purpose, strengths, risks and mitigants, financial/collateral analysis and other key terms and conditions required to obtain ILA’s support to move forward with the opportunity.
• Negotiate terms on proposed credit transactions with Credit Risk, in accordance with the Firm’s risk framework. Engagement w/ Product, CRM, Legal other key stakeholders to procure transaction approval.
Pipeline, portfolio, and escalation management.
• Manage transaction pipeline, balancing client/ICA expectation and timely execution.
• Provide support to key clients in anticipation of any amendments or lending needs.
• Escalation management for new transactions.
Morgan Stanley is a global financial services leader with three core businesses – Institutional Securities Group, Wealth Management, and Investment Management. Wealth Management is offered by the Morgan Stanley Wealth Management ("MSWM”) franchise, which has one of the world’s largest networks of Financial Advisors.
The International Wealth Management (“IWM”) segment within MSWM expanded the suite of world-class banking and lending solutions for International Client Advisors (“ICA”) and their clients. In addition to the Firm’s comprehensive financial services, which include brokerage, investment advisory, financial and wealth planning, Morgan Stanley developed and enhanced their lending, and cash management capabilities, by combining the lending financial services business with private banking products built specifically to service the needs of ICAs and their clients.
International Banking Lending (“IBL”) within the Private Banking Group (“PBG”) is focused on origination and execution of international lending transactions across WM lending platforms (e.g. ECL, LAL, Margin, Letters of Credit, Tailored Lending), providing ICAs and their clients with customized lending solutions to meet the liquidity needs of global families residing in approved jurisdictions. The ILS is co-located with ICAs and will coordinate activities across their market in partnership with International Lending Advisor (“ILA”), International Private Bankers (“PB”) and Product Partners, as applicable.
Position Summary
The ILS will partner and collaborate with ILAs, ICAs, PBs, Product, Legal, Operations, and other support areas of MSWM in the credit structuring, analysis, and execution of lending transactions for international clients across WM lending platforms (i.e. ECL, LAL, Margin, Letters of Credit, Tailored Lending). Securities-based lending transactions will be a key focus as they represent most transactions the ILS will structure and analyze. For Tailored Lending (TL) transactions, the ILS will support the ILA who will partner with the TL Product Group in the structuring and execution of the transaction. The ILS role will involve active client engagement and support for Branch leadership on recruitment activities in partnership with the ILA.
Primary Responsibilities
Client and Field Engagement
• Support ILA, ICA, and PBs with relationship development and discuss/review specific lending opportunities.
• Provide subject matter expertise to help identify and execute lending requests from new and existing clients.
• Support Branch management by providing insight on the competitive landscape in the lending business.
Credit Structuring, Analysis, and Execution
• Assess potential lending opportunities by performing the appropriate level of due diligence on financial and non-financial information, including: (i) evaluating the Borrower, pledgor, and/or guarantor; ii) evaluation of the underlying collateral;
iii) covenants and overall credit structure; iv) identifying key risks and mitigants and proposing potential structural protections and other conditions that may mitigate such risk; (v) determining if the opportunity aligns with one of the approved lending product programs.
• Create credit memos to ensure they clearly outline the transaction, purpose, strengths, risks and mitigants, financial/collateral analysis and other key terms and conditions required to obtain ILA’s support to move forward with the opportunity.
• Negotiate terms on proposed credit transactions with Credit Risk, in accordance with the Firm’s risk framework. Engagement w/ Product, CRM, Legal other key stakeholders to procure transaction approval.
Pipeline, portfolio, and escalation management.
• Manage transaction pipeline, balancing client/ICA expectation and timely execution.
• Provide support to key clients in anticipation of any amendments or lending needs.
• Escalation management for new transactions.