Joshua Gilbert

About Joshua Gilbert

As a Vice President in Morgan Stanley’s Private Banking Group, I deliver sophisticated, customized credit and liquidity strategies to high-net-worth clients. My expertise spans securities-based lending, asset-based lending, structured financing, and property financing—allowing me to design solutions that support growth, preserve flexibility, and manage complex balance-sheet needs.With over 15 years of experience in the financial services industry, I have a strong record of strengthening client relationships while managing risk, protecting credit quality, and driving sustainable revenue growth. I partner closely with clients to understand their full financial picture, ensuring that each recommendation aligns with their long-term objectives and tolerance for risk.Earlier in my career, I built a diverse background as a business lender across multiple industries, structuring commercial real estate transactions, equipment financing, working-capital lines, merchant services, and treasury management solutions. This foundation gives me a deep understanding of business operations, cash-flow dynamics, and the financial challenges owners face at every stage of growth.I am committed to being a responsive, reliable, and strategic partner—helping clients optimize liquidity, plan for expansion, and achieve their financial goals with confidence.

Experience

1. Vice President Private Banking Group

   Morgan Stanley

   Mar 2018 — Present

   As a Vice President in Morgan Stanley’s Private Banking Group, I deliver sophisticated, customized credit and liquidity strategies to high-net-worth clients and their enterprises. My expertise spans securities-based lending, asset-based lending, structured financing, and property financing—allowing me to design solutions that support growth, preserve flexibility, and manage complex balance-sheet needs.With 15 years of experience in the financial services industry, I have a strong record of strengthening client relationships while managing risk, protecting credit quality, and driving sustainable revenue growth. I partner closely with clients to understand their full financial picture, ensuring that each recommendation aligns with their long-term objectives and tolerance for risk.Earlier in my career, I built a diverse background as a business lender across multiple industries, structuring commercial real estate transactions, equipment financing, working-capital lines, merchant services, and treasury management solutions. This foundation gives me a deep understanding of business operations, cash-flow dynamics, and the financial challenges owners face at every stage of growth.I am committed to being a responsive, reliable, and strategic partner—helping clients optimize liquidity, plan for expansion, and achieve their financial goals with confidence.

Education

• Western Kentucky University

  Business Management

Skills

• Commercial Lending
• Commercial Banking
• Loan Origination
• Risk Management
• Financial Services
• Relationship Management
• Cash Management
• Lines of Credit
• Cross Selling
• Treasury Management
• Underwriting
• Credit Risk
• Small Business
• Finance
• Refinance
• Cash-Flow Management
• Leadership
• Sales
• Sba
• Investments
• Sales Management
• Building Relationships
• Commercial Mortgages
• Deposits
• Loans
• Relationship Building
• Banking
• Portfolio Management
• Credit
• Credit Analysis
• Small Business Lending
• Team Building
• Financial Analysis
• Strategic Planning
• Mortgage Lending
• Business Development
• Consumer Lending
• Financial Risk
• Commercial Real Estate
• Wealth Management