The HNW Lending Specialist is a product specialist position within UBS Bank USA's residential mortgage business reporting to the Production Manager.
The specialist is responsible for leading the effort to develop custom mortgage solutions for the clients of UBS Wealth Management Americas. Functions include providing structuring and underwriting expertise on complex transactions and interacting with multiple stakeholders. Partnering with Banking and Mortgage Leadership, Financial Advisors, Field Leadership, Private Mortgage Bankers, Complex Solutions Specialists, Business Underwriters and Credit Risk Management the specialist creates suitable loan solutions for clients that are within the risk tolerances of UBS Bank USA.
The focus of the specialist will be primarily on loan requests for HNW client that will not be easily underwritten through standard underwriting channels due to complexity.

Responsibilities:

• Analyze complex loan scenarios both qualitatively and quantitatively to develop tailored custom solutions to meet the needs of clients and structure in a manner consistent with the lending philosophy of UBS Bank USA
• Protect the firm from financial, reputational and operational risk through property diligence and documentation of complex client financial scenarios
• Maintain a strong relationship with Credit Risk Management at UBS Bank USA by ensuring all decision makers are properly presented the credit risks as well as mitigating factors where exceptions and variances are required and risk is appropriate.
• Daily monitoring and timely execution of incoming requests
• Interaction across multiple stakeholders and interested parties
• Partner with Originations and Underwriting staff to function as a resource for specialized training and increased fluency with high net worth and ultra- high net worth topics in order to better service clients across the platform in every underwriting channel
• Identify Ultra High Net Worth lending needs and recommend enhancements to credit guidelines to better service the client segment and encourage uniformity where an approach may be standardized
• Coordinate loan requirements with outsourced fulfillment partner
• As needed provide analysis on non-warrantable condominium and co-op projects requiring pre-approval for lending where the Head of Originations seeks a preferred lender status