Manager / Senior Manager - Commercial Loan Servicing

Golden Opportunities; Gurugram District, Chennai, Bengaluru; On-site; INR 1,400,000 - 2,400,000; Full time

Job summary

Golden Opportunities in India is seeking an experienced Senior Specialist for Commercial Loan Servicing. You will manage end-to-end loan operations including drawdowns, funding, rate resets, and repayments, while ensuring accurate data and compliance with approvals.

The role requires deep knowledge of loan lifecycle events, strong Excel/data accuracy, and the ability to resolve discrepancies. A 10+ year track record in servicing is expected. Office-based position with broad India coverage.

Qualifications

• Total and relevant work experience of 10+ years in Commercial Loan servicing.
• Candidate Industry (BPO / KPO / GBS / GCC / GSS / Captive Shared Services) background.
• Minimum 15 years education, Bachelor’s degree, MBA or equivalent from a reputed institution.

Responsibilities

• Process loan drawdowns and funding, rollovers, interest rate resets, repricing, principal and interest payments, fee processing, repayments, prepayments, renewals, amendments, and commitment changes.
• Maintain accurate facility, borrower, tranche, pricing, accrual, payment, notice, and settlement data based on approved documentation and instructions.
• Review and interpret credit agreements, amendments, fee letters, borrowing requests, lender notices, and payment instructions to ensure accurate transaction processing.
• Prepare and validate transaction notices, payment requests, and supporting documentation within established authorization limits and processing cut-off times.
• Perform daily reconciliations of cash, suspense accounts, general ledger, accruals, commitments, and participant positions.

Skills

Commercial loan servicing

AFS

ACBS

Loan IQ

Commercial lending

Payments

Swift payments

Education

Bachelor's degree

MBA or equivalent

Tools

Loan IQ

ACBS

Job description

• Work Model: Work From Office

Candidate Expectations

• Total and Relevant work Experience of 10+ years in Commercial Loan servicing

Candidate Location -

• Anywhere in India

Skills

• Commercial loan servicing, AFS, ACBS, Loan IQ, Commercial lending, Payments, swift payments
• Candidate Industry (BPO / KPO / GBS / GCC / GSS / Captive Shared Services)
• Education and Certification Qualification:
• Minimum 15 years education, Bachelor s degree, MBA or equivalent from a reputed institution.

Job Description

• Process loan drawdowns and funding, rollovers, interest rate resets, repricing, principal and interest payments, fee processing, repayments, prepayments, renewals, amendments, and commitment changes.
• Maintain accurate facility, borrower, tranche, pricing, accrual, payment, notice, and settlement data based on approved documentation and instructions.
• Review and interpret credit agreements, amendments, fee letters, borrowing requests, lender notices, and payment instructions to ensure accurate transaction processing.
• Prepare and validate transaction notices, payment requests, and supporting documentation within established authorization limits and processing cut-off times.
• Perform daily reconciliations of cash, suspense accounts, general ledger, accruals, commitments, and participant positions.
• Investigate reconciliation breaks, identify discrepancies, resolve routine issues, and escalated unresolved items to the appropriate team.
• Monitor operational work queues, pending documentation, aged items, and client queries to ensure timely resolution.
• Adhere to maker-checker controls, segregation of duties, authorization limits, access controls, evidence retention, and audit-trail requirements.
• Support management information system (MIS) reporting, standard operating procedure (SOP) updates, cross-training, and knowledge assessments.
• Basic understanding of commercial loan structures, syndicated lending, principal and interest calculations, fees, floating interest rates, and loan payment flows.
• Knowledge of loan lifecycle events, including drawdowns, repayments, rollovers, repricing, renewals, and amendments.
• Ability to interpret standard loan notices, booking data, credit agreements, and operating procedures and translate them into accurate system transactions.
• Understanding of loan servicing data, payment processing, accruals, settlement procedures, and reconciliation activities.
• Proficiency in Microsoft Excel, numerical analysis, data validation, and transaction-level accuracy.
• Awareness of operational risk, processing cut-offs, internal controls, audit requirements, and escalation procedures.
• Strong attention to detail, written communication, analytical thinking, and problem-solving skills.
• Follow documented procedures and complete transactions within defined service-level agreements (SLAs).
• Perform independent self-checks and ensure appropriate authorization before processing transactions.
• Maintain complete supporting evidence and an accurate audit trail for all processed activities.
• Monitor aged exceptions, investigate outstanding breaks, and escalated operational risks promptly.
• Ensure compliance with internal policies, control frameworks, and segregation-of-duties requirements.

Mandatory Key Skills:

• Commercial loan operations, Loan IQ, ACBS, Drawdown, rollover, rate interest, cash reconciliation, bilateral Loan, syndicated loan

Good to Have Skills:

• Payment, swift payment tools, pricing, accrual.
• Other Remarks Open to work in global timing
• Documents Mandatory - Personal, Academic and professional