Merrill Lending Solutions Advisor II
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 engagement
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Conduct book reviews and one-on-one advisor education sessions to uncover lending opportunities
Lead initial client/prospect calls to discuss lending capabilities and gather financial information
Pre-screen custom lending opportunities for alignment with GWIM lending guidelines and risk policy
Prepare high-level deal memos and coordinate on potential opportunities with Credit Advisors
Serve as advisor contact for key moments and escalations, as needed
Present and participate in Division, Market, and office-level meetings, lending panels, roadshows, and client events
- Partner on deal structure, terms, and pricing with Credit Advisors (Credit Advisors retain pricing and approval authority)
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Stay current on lending solutions, risk policy, regulatory changes, and industry standards
Identify incremental lending opportunities through renewals and loan modifications
Required Qualifications
:
- 12+ years of experience in wealth management, commercial lending, or credit advisory roles
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Strong interpersonal and communication skills, with ability to build trust and credibility with advisors and leadership
Proven ability to educate and influence financial advisors on complex lending solutions
Strong understanding of UHNW client needs and custom credit structuring
Ability to manage multiple opportunities and deliver a high-quality advisor and client experience
Familiarity with credit policy, risk management, and regulatory frameworks
- FINRA 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 collateral
- Skills in business development, relationship management, client engagement, and strategic thinking Skills Required: Skills:
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Business Development
Client Management
Loan Structuring
Relationship Building
Active Listening
Credit Analysis
Presentation Skills
Collaboration
Strategic Thinking
Pipeline Management
Problem Solving
Shift
Not included in the source posting: about the role, what you'll do, benefits.
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