Early this year, a New York State Lottery winner in Brooklyn approached Morgan Stanley with a problem: he needed to borrow hundreds of thousands of dollars before he collected his prize money. The man, a Russian immigrant, wanted money to help move his family to a secure location before he redeemed his ticket and possibly became famous, according to people familiar with the matter who spoke on the condition of anonymity. He also wanted advice about what to do with his prize money, which was in the hundreds of thousands of dollars. The bank's wealth management unit decided to make the loan to win a new customer, a step it is increasingly willing to make as it builds up its brokerage unit. Making unusual loans is critical for Morgan Stanley. The bank has bet its future in large part on its wealth management business, which produces more stable revenue than the trading unit that nearly wiped out Morgan Stanley during the financial crisis. Providing unconventional loans is a relia