Global Banking & Markets - Bengaluru - Analyst - Loan Management & Due Diligence - TMM

About Goldman Sachs

At Goldman Sachs, we connect people, capital and ideas to help solve problems for our clients. We are a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. For us, it’s all about bringing together people who are curious, collaborative and have the drive to make things possible for our clients and communities.

Global Banking & Markets

Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor.

Business Unit Overview

Loan Management primarily supports the Global Banking and Markets Segment within Goldman Sachs. Loan Management, amongst other things, is responsible for directing and facilitating due diligence (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 and APAC. 

The EMEA Mortgage desk makes markets in EMEA loan business (CRE/Resi/consumer) and Asset Backed securities, and increasingly places a large amount of focus on purchasing whole loan pools, originating/ financing new loan assets (CRE/Resi/consumer) or create new securities backed by loan assets which can be distributed to our clients. In this way the desk / structurers/ Loan management, in particular, are very much at the heart of a changing banking / capital-markets landscape, and designing ways in which Goldman can be a long-term participant in these new flows of capital. 

Loan Management is currently seeking an Analyst / Associate to support the EMEA mortgage desk in its asset management activities. The Analyst / Associate will be primarily responsible for data storage and information management solutions that integrates with analytical tools facilitating the acquisition, monitoring, reporting and disposition / securitization of loans purchased, financed and/or originated from different business platforms. 

Job Responsibilities 

Managing financing facilities or warehouse lines and assisting legal and deal teams with negotiation of loan terms and associated documents

Decoding financing facility’s legal documents and formulating the statements into meaningful Excel Models 

Managing client relationships and ensuring smooth / high quality execution of various warehouse deals and its activities 

Management and oversight of commercial real estate, mortgage and consumer loan data, including data setup, database management, ETL and data validation 

Tracking and confirmation of collateral adequacy for funding and margining (collateral covenants, eligibility, concentration limits). Creating Asset Summary Reports 

Monitoring of key deliverables and financial covenants under the warehouse legal documents 

Actively participate and partner with Information Technology to facilitate Data Warehouse, reporting and other projects as assigned 

Ensure the flow of data underneath all of the analytics is accurate and correct. Working with mortgage desk, technology, and cash operations to achieve the same 

Manage data dictionaries and large data warehouses 

Coordinate with Technology and internal departments to develop new GUI data interfaces, create new vendor data feeds, and add enhancements to internal databases 

Manage and create data related quality control checks for internal databases and provide resolution through analytic research 

Develop reporting solutions through multiple tools as needed. Ability to produce interactive graphs, pivot tables, etc. for reporting 

Maintains systems for tracking projects and communicate results to different business groups 

Basic Qualifications 

2-4 years of experience in mortgages or consumer portfolio / collateral analytics / asset management. It’s Data Management/ Modeling and handling ETL processes. 

Strong academic background – in finance, business, math, or accounting degree with a minimum 3.5 GPA equivalent / candidates pursuing CFA 

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. Tableau experience is a plus. 

Strong project management skills that include Stakeholder Management skills, program 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.

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: 

© The Goldman Sachs Group, Inc., 2021. All rights reserved.

Goldman Sachs is an equal employment/affirmative action employer

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