Job Description:

The Merrill Lending Solutions Advisor is a client- and advisor-facing role focused on driving adoption of lending solutions across Merrill Wealth Management. Lending Solutions Advisor are embedded within the business to lead targeted business development efforts, primarily with Private Wealth Advisors and Merrill Financial Advisors with a concentrated focus on Ultra High Net Worth (UHNW) clients. They serve as the first point of contact for early-stage lending conversations and partner closely with GWIM Credit Advisors to deliver a seamless advisor and client experience, from opportunity identification through deal structuring and execution.
 

Job Description:

 Responsible for directing and managing credit activities for a group of Private Wealth Management geographic markets including underwriting, risk analysis, approval, and monitoring credit quality for their area. Covers a credit and derivative portfolio that will generally be greater than $5Bn.; responsible for evaluating all credit exposure within the assigned region or territory; talent nurture and development is a key responsibility. Exercises significant joinder credit approval authority, approving and providing expertise on highly complex transactions within markets supported. Balancing risk management goals with the growth and profitability objectives of the groups supported.

Responsibilities:

Drive growth by increasing advisor engagement and UHNW household penetration through education, opportunity identification, and early-stage client engagementConduct book reviews and one-on-one advisor education sessions to uncover lending opportunitiesLead initial client/prospect calls to discuss lending capabilities and gather financial informationPre-screen custom lending opportunities for alignment with GWIM lending guidelines and risk policyPrepare high-level deal memos and coordinate on potential opportunities with Credit AdvisorsServe as advisor contact for key moments and escalations, as neededPresent and participate in Division, Market, and office-level meetings, lending panels, roadshows, and client eventsPartner on deal structure, terms, and pricing with Credit Advisors (Credit Advisors retain pricing and approval authority)Stay current on lending solutions, risk policy, regulatory changes, and industry standardsIdentify incremental lending opportunities through renewals and loan modificationsContribute to Merrill Lending Solutions Group strategy, including product innovation and lending practice improvements 

Required Qualifications:

12+ years of experience in wealth management, commercial lending, or credit advisory rolesStrong interpersonal and communication skills, with ability to build trust and credibility with advisors and leadershipProven ability to educate and influence financial advisors on complex lending solutionsStrong understanding of UHNW client needs and custom credit structuringAbility to manage multiple opportunities and deliver a high-quality advisor and client experienceFamiliarity with credit policy, risk management, and regulatory frameworksFINRA licenses: SIE, 7, 63 & 65 or 66, required

Desired Qualifications:

Bachelor's degree preferred Experience structuring loans secured by commercial real estate, marketable securities, hedge funds, artwork, or other non-traditional collateralSkills in business development, relationship management, client engagement, and strategic thinking  Skills Required: Skills:Business DevelopmentClient ManagementLoan StructuringRelationship BuildingActive ListeningCredit AnalysisPresentation SkillsCollaborationStrategic ThinkingPipeline ManagementProblem SolvingSales Strategy

Shift:

1st shift (United States of America)

Hours Per Week: 

40