Asset & Wealth Management, Private Bank Lending, Underwriting, Associate, Bengaluru
Goldman Sachs · Posted Nov 5
Investment banking, securities, asset management, and wealth management services
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About the role
Goldman Sachs Private Bank provides competitive borrowing and cash management solutions that are integrated with clients' wealth management goals, offering lending against marketable securities, alternative investments, real estate, aviation, fine art and other private assets. Private Lending Underwriting (PLU), based in Bengaluru, is responsible for assessing, underwriting, documenting and monitoring the credit and business risks incurred in loans to Private Wealth Management clients. This Associate role evaluates transaction risk and economics, documents loan structures for credit approval, monitors covenants and collateral, and partners with Regional Lending, Credit Risk Management and PWM teams.
What you will do
- Evaluate all risk and economic implications of transactions, using strong analytical and technical skills
- Work closely with the Regional Lending Team to advise and develop solutions for clients that meet their needs and remain within acceptable risk parameters for the Bank
- Develop and maintain a thorough understanding of the product suite offered in Private Lending. Ensure consistency in the underwriting process and with the standards prescribed in the Product Lending Guides
- Document the loan structure and analysis for credit approval and file documentation purposes
- Ensure that loan documentation is consistent with the approved terms and that appropriate risk ratings are assigned to each loan transaction
- Confirm compliance with all covenant and collateral monitoring procedures
- Ensure that loan approvals and policy exceptions are documented appropriately and that credit files are maintained in a satisfactory manner
- Interact with banking regulators on an as needed basis. Provide other support of GS Bank USA’s loan portfolio as requested
- Foster strong communication with Regional Private Lending teams, Credit Risk Management, PWM teams, clients and GS Bank USA personnel
Skills used in this role
What the employer is looking for
- A Bachelor’s degree (MBA preferred for a more senior role)
- CPA or CFA a plus
- 3+ years of work experience in a financial field (mortgage or insurance underwriting is not relevant for this role)
- Relevant work experience in commercial banking and/or private banking underwriting or credit roles
- Key skills include detailed knowledge of financial accounting, analysis, and modeling
- Excellent communication skills, both oral and written
- Strong project management, multi-tasking, and work organization skills
- Flexible, personable, confident, and self-motivated while focusing on being a team player
- Desire to be part of a dynamic and growing business
- No licensing required for this role
Benefits and support
- Training and development opportunities
- Wellness programs
- Personal finance offerings
- Mindfulness programs
About Goldman Sachs
The Goldman Sachs Group, Inc. is a leading global financial institution that delivers a broad range of financial services across investment banking, securities, investment management, and consumer banking to a diverse client base. Established in 1869 and headquartered in New York City, the firm serves corporations, financial institutions, governments, and high-net-worth individuals worldwide.
- Industry
- Investment Banking
- Company size
- 47400+ employees
- Founded
- 1869
- Location
- New York, New York, USA
- Funding stage
- Public Company
Leadership
Chairman and Chief Executive Officer
President and Chief Operating Officer
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