Loan Documentation Associate

Goldman Sachs Services Pvt Ltd; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Goldman Sachs Services Pvt Ltd in Bengaluru seeks an Associate for Loan Documentation within Global Banking & Markets. You will review and interpret complex credit documents, ensure accurate application in operations, and coordinate with Borrowers, Lenders, and internal teams across the loan lifecycle.

The role emphasizes risk controls, regulatory compliance, and opportunities to automate processes while maintaining high data integrity and timely communication with global partners.

Qualifications

• Experience 2–6 years in loan operations, loan documentation, or agency servicing.
• Exposure to syndicated loans and credit agreements is essential.
• Technical skills: strong understanding of loan documentation, lifecycle events, and servicing processes.

Responsibilities

• Loan Documentation Review & Interpretation
• Review and interpret complex credit agreements, amendments, and legal documentation to ensure accurate application in operations
• Validate key clauses (e.g., transfer provisions, interest terms, covenants, fee structures) prior to transaction processing
• Controls, Risk & Compliance
• Perform pre/post-transaction checks to ensure compliance with credit agreements and regulatory requirements
• Identify documentation exceptions or inconsistencies and flag/escalate appropriately
• Support reconciliation of cash, positions, and breaks to minimise operational risk
• Stakeholder Management
• Act as a point of contact for Borrowers, Lenders, Agent banks, and internal teams (Front Office, Legal, Credit, Ops)
• Resolve documentation-related queries and discrepancies efficiently
• Ensure clear and timely communication across stakeholders
• Reporting & Process Improvement
• Support preparation of MIS, regulatory reporting, and audit documentation
• Identify opportunities to streamline documentation workflows and enhance controls
• Contribute to automation and standardisation initiatives

Skills

Loan operations

Loan documentation

Agency servicing

Syndicated loans

Credit agreements

Data reconciliation

Analytical skills

Stakeholder communication

Attention to detail

Risk awareness

Education

Finance background

Quantitative degree

Tools

LoanIQ

ACBS

ClearPar

Job description

Global Banking & Markets- Lending Operations -Loan Documentation- Associate-Bengaluru OPERATIONS Operations is a dynamic, multi-faceted division that partners with all parts of the firm to provide banking, securities, and asset management services to clients around the world. In addition, Operations provides essential risk management and controls to enhance the firm's assets and its reputation. For every new product launched and every trade executed, it is Operations that develops and manages the processes and controls that enable business flow. Operations span all product lines and markets, serving as internal business partners who develop the processes and controls, and help to specify the systems that deliver accuracy, timeliness, and integrity to our business.

YOUR IMPACT

Loan Operations is responsible for ensuring efficient and accurate transaction processing across a broad range of products. Generally, the products supported are complex instruments that require close alignment with the business. A key focus for the organization is establishing strong risk management procedures and controls to ensure the firm and our clients are properly protected. The functional processes managed by the Servicing Team are primarily aligned to the loan life cycle: from Origination; Initial Commitment to the loan; Trade Settlement; Drawdown/funding; Scheduled/Unscheduled Pay-downs; reconciliation of cash/position breaks; as well as the ongoing management of information related to our portfolio of loans.

HOW YOU WILL FULFILL YOUR POTENTIAL

Gain a comprehensive understanding of the bank loan business through servicing a portfolio of syndicated corporate bank debt. Develop your critical thinking competency by investigating and resolving transactional exceptions. Coordinate with business, product control and middle office to resolve issues in a timely manner. Manage risks related to specific processes and identify any deviations from established policies and procedures. Contribute to automation of functions, de-risking processes and streamlining of complex processes. Enhance your industry knowledge through settlement of complex loan trades. Cultivate your problem-solving skills through managing and reviewing complex legal documentation pertaining to syndicated loans. Build your communication skills through daily interactions with the firm’s external business counterparts, such as agent banks, clients, and trading partners. Showcase your ability to function as a team player in a highly collaborative environment while working closely with internal stakeholders such as Business Groups, Legal, Tax, Controllers, Technology, Compliance, etc. Collaborate with Global teams in New York, Dallas, London, Bengaluru, and Asia on initiatives supporting the loans market. Participate in industry initiatives facilitated by the Loan Syndication and Trading Association (LSTA) & Loan Market Association(LMA).

KEY RESPONSIBILITIES

• Loan Documentation Review & Interpretation
• Review and interpret complex credit agreements, amendments, and legal documentation to ensure accurate application in operations
• Validate key clauses (e.g., transfer provisions, interest terms, covenants, fee structures) prior to transaction processing
• Controls, Risk & Compliance
• Perform pre/post-transaction checks to ensure compliance with credit agreements and regulatory requirements
• Identify documentation exceptions or inconsistencies and flag/escalate appropriately
• Support reconciliation of cash, positions, and breaks to minimise operational risk
• Stakeholder Management
• Act as a point of contact for Borrowers, Lenders, Agent banks, and internal teams (Front Office, Legal, Credit, Ops)
• Resolve documentation-related queries and discrepancies efficiently
• Ensure clear and timely communication across stakeholders
• Reporting & Process Improvement
• Support preparation of MIS, regulatory reporting, and audit documentation
• Identify opportunities to streamline documentation workflows and enhance controls
• Contribute to automation and standardisation initiatives

Required Skills & Experience

• Experience 2–6 years of experience in loan operations, loan documentation, or agency servicing
• Exposure to syndicated loans and credit agreements is essential
• Technical Skills Strong understanding of loan documentation, lifecycle events, and servicing processes
• Hands-on experience with systems such as Loan IQ / ACBS / ClearPar
• Ability to reconcile data and interpret financial transactions accurately
• Core Competencies High attention to detail and risk awareness
• Strong analytical and problem-solving skills
• Ability to manage high volumes under tight timelines
• Effective stakeholder communication and coordination

PREFERRED QUALIFICATIONS

• Financial or quantitative academic background.

About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2025. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Experience Level Mid Level