GBM - Loan Management And Due Diligence - Analyst - Bengaluru

Goldman Sachs; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Goldman Sachs Bengaluru is seeking an Analyst for the US mortgage desk to support collateral management across warehouse lending positions. You will review deals and legal documents, model portfolio data, monitor covenants, and ensure data integrity while collaborating with mortgage, tech, and operations teams.

The role emphasizes strong knowledge of structured finance assets (residential and consumer), Excel, SQL, and data visualization tools, with opportunities to engage in process

Qualifications

• Relevant experience in Mortgages or Consumer Portfolio / Collateral Analytics / Asset Management.
• Strong academic background – Finance, business, accounting degree with a minimum 3.5 GPA or equivalent
• Strong communication skills with the ability to manage internal and external relationships.
• Solid analytical/logical mindset and attention to detail
• Technical skills include SQL, RDBMS Databases (SQL Server or Sybase ASE), Data Reporting and Data Visualizations. Alteryx, CAS, and Tableau is a plus.
• Strong project management skills including Stakeholder Management, portfolio management experience.

Responsibilities

• Deal Management: Manage warehouse facilities, assist legal and deal teams in negotiating loan terms and documents.
• Legal Document Interpretation: Read and interpret governing documents such as credit agreements, fee letters, custodian agreements.
• Data Modeling: Translate loan documentation into Excel or system models for analysis and reporting.
• Collateral Management: Ensure collateral data adequacy for funding and related activities.
• Covenant Monitoring & Reporting: Monitor financial covenants and report portfolio trends to stakeholders.
• Data Integrity: Ensure accurate data flow for all deals within internal systems.
• Relationship Management: Manage client and internal stakeholder relationships.
• Process Improvement: Participate in ad hoc projects to support process improvement and tech initiatives.
• Reporting Solutions: Develop reporting solutions using internal tools and identify issues with reporting rules.
• Dashboard Monitoring & Tracking: Maintain dashboards that track portfolio data and communicate results.

Skills

SQL

Portfolio analysis

Data modeling

Excel

Attention to detail

Communication

Education

Finance/Business/Accounting degree

Tools

SQL Server

Sybase ASE

Alteryx

Tableau

CAS

Job description

Job Description:

Business Unit Overview

Loan Management primarily supports the Global Banking & Markets Division within Goldman Sachs. Loan Management, amongst other things, is responsible for directing and facilitating due diligence, portfolio analytics (at both, the deal and asset levels) for the acquisitions, asset management and sales/securitizations of various types of loan portfolios in the US/EMEA.

Loan Management in Bengaluru seeks an Analyst to support the US mortgage desk. The individual will be acting as Collateral Manager and be primarily responsible for all Collateral Management functions of the Warehouse Lending positions. Functions include deal/legal document review, portfolio performance monitoring, deal covenant monitoring, reporting, market research and deal onboarding to internal system. The AM will be helping the US counterparts in Pre/Post close discussions with the Trading Desk and Clients to understand the business needs and gather information to perform all Asset Management functions. The ideal candidate possesses a strong understanding of structured finance asset classes, with experience on both the residential and consumer sides.

Key Responsibilities

• Deal Management: Manage warehouse facilities, assist legal and deal teams in negotiating loan terms and associated documents. Ensure seamless execution of warehouse deals.
• Legal Document Interpretation: Expertly read and interpret governing legal documents such as credit agreements, fee letters, custodian agreements, and service agreements.
• Data Modeling: Translate complex loan documentation into meaningful Excel or system models for analysis and reporting.
• Collateral Management: Ensure collateral data adequacy for funding and other deal-related activities.
• Covenant Monitoring & Reporting: Monitor key financial covenants within deal documents, effectively capture and analyze portfolio trends, and report to stakeholders.
• Data Integrity: Ensure accurate data flow for all managed deals within internal systems, by collaborating with the mortgage desk, technology, and operations teams.
• Relationship Management: Manage client and internal stakeholder relationships, ensuring smooth execution of various warehouse deals.
• Process Improvement: Participate in ad hoc/special projects to support process improvement and the implementation of technology initiatives.
• Reporting Solutions: Develop reporting solutions using internal tools and identify issues with reporting rules.
• Dashboard Monitoring & Tracking: Maintain various internal dashboards that track portfolio data and communicate results to various business groups at different deal stages.

Qualifications

• Relevant experience in Mortgages or Consumer Portfolio / Collateral Analytics / Asset Management.
• Strong academic background – Finance, business, accounting degree with a minimum 3.5 GPA or equivalent
• Strong communication skills (clear, concise, and confident) with the ability to manage internal and external relationships.
• Solid analytical/logical mindset and attention to detail
• Technical skills required include SQL, RDBMS Databases (SQL Server or Sybase ASE preferred), Data Reporting and Data Visualizations. Alteryx, CAS, and Tableau experience is a plus.
• Strong project management skills include Stakeholder Management skills, portfolio management experience and ability to translate requirements to deliverables.
• Commercial focus and interest in financial and RE markets
• Mortgage banking or other financial industry experience preferred.
• Able to work under tight time constraints and extended hours as required.
• Ability to prioritize workload, manage expectations and is a team player.
• Ability to work independently while supporting team goals /objectives.
• Working knowledge of structured finance asset classes (residential and consumer).
• Self-motivated with keen analytical skills.
• Ability to effectively interact with all stakeholders.

About Goldman Sachs

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