GBM - Loan Management & Due Diligence - CRE - Associate - Bengaluru
BFSI (Operations & Lending)
Job Description
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, its 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 Associate to support the EMEA mortgage desk in its asset management activities. The Associate will be primarily responsible for ongoing asset/loan management of EMEA commercial real estate loans, facilitating the acquisition, monitoring, reporting and disposition / securitization of loans purchased, financed and/or originated from different business platforms.
Job Responsibilities
- Managing commercial real estate loans secured against a variety of property types: multifamily, hospitality, retail, industrial, office, self-storage, data centers, etc.
- Reviewing legal documentation, financial models, business plans, and covenants to assess the loan and asset level risk.
- Ongoing monitoring of the asset and loan performance, preparing asset summary reports and internal business plan presentations, valuation analysis, market analysis.
- Supporting on critical workstreams including modification, restructuring, extensions, waivers etc. throughout the loan life cycle.
- Managing client relationships and interacting with property managers, legal counsel, servicers, co-lenders, institutional borrowers, etc . to ensure smooth / high-quality execution/monitoring of CRE deals.
- Data management of the CRE trades, including data setup, database management, ETL and data validations.
- Tracking and confirmation of collateral adequacy for funding and margining (collateral covenants, eligibility, concentration limits), monitoring of key deliverables and financial covenants under the legal documents.
- 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 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
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- 5-6 years of experience in mortgages or commercial real estate portfolios / collateral analytics / asset management, 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.
Skills
SalesCash OperationsConfirmationAcquisitionAsset ManagementFundingLoan ManagementMortgageLegal DocumentationManagement ServicesManagement SkillsQuality ControlReportingTradingValuationValuation AnalysisCfaMarket AnalysisIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
Goldman Sachs India Careers 2025
Goldman Sachs is a leading global investment banking, securities, and investment management firm, renowned for advising corporations, governments, and institutions on strategic transactions, capital raising, and risk management. Founded in 1869 and headquartered in New York, Goldman Sachs established its India presence in 2004 with offices in Bengaluru, Hyderabad, and Mumbai. The India operations serve as both a front‑office hub for client coverage and a global capability center for engineering, risk, and operations.
Business Model – Goldman Sachs operates across four primary segments: Investment Banking, Global Markets, Asset & Wealth Management, and Platform Solutions. Its B2B revenue model is driven by advisory fees, trading revenues, asset management fees, and lending income. In India, the firm combines client‑facing deal teams with global service delivery, leveraging deep domain expertise in M&A, capital markets, quantitative research, and technology engineering to support global mandates.
Recent Wins & Recognition –
- In 2024, Goldman Sachs was awarded Platinum‑level Champion in WEConnect International’s Top Global Champions for Supplier Diversity & Inclusion, recognising its leadership in inclusive procurement. (https://www.goldmansachs.com/our-firm/sustainable-finance/our-operational-impact/historical-milestones-awards-and-recognitions)
- The firm opened its new LEED Platinum and WELL Platinum certified Hyderabad campus, reinforcing its commitment to sustainable operations and employee well‑being. (https://www.goldmansachs.com/our-firm/sustainable-finance/our-operational-impact/historical-milestones-awards-and-recognitions)
- Goldman Sachs accelerated its generative AI initiatives, developing over a dozen projects including natural‑language code generation and automated documentation tools. (https://economictimes.indiatimes.com/topic/goldman-sachs-generative-ai-projects/news)
- FY‑2024 results saw net income jump +67.6% and a 33% dividend increase, alongside a rebound in M&A advisory activity in 2025. (https://www.monexa.ai/blog/goldman-sachs-ai-strategy-m-a-challenges-and-divid-GS-2025-03-24)
Culture & Values – Goldman Sachs is anchored by its Business Principles, which emphasise client service, excellence, integrity, and teamwork. The firm fosters a high‑performance culture with a strong focus on meritocracy, continuous learning, and diversity & inclusion. In India, employees benefit from global mobility programs, mentorship networks, and community engagement initiatives such as 10,000 Women and 10,000 Small Businesses.
Client‑Facing & Internal Domains – Goldman Sachs India
Investment Banking
What it is – Advisory on mergers, acquisitions, restructurings, and capital raising. India‑based roles include:
- M&A Advisory – Deal structuring, valuation, and negotiation support.
- Equity & Debt Capital Markets – IPOs, bond issuances, and syndications.
- Strategic Advisory – Cross‑border transactions and shareholder activism defense.
Global Markets
What it is – Sales, trading, and market‑making in equities, fixed income, currencies, and commodities. India‑based roles include:
- Trading & Structuring – Derivatives, structured products, and hedging solutions.
- Sales & Client Coverage – Institutional client relationship management.
- Quantitative Research – Pricing models, risk analytics, and algorithmic strategies.
Asset & Wealth Management
What it is – Investment management for institutions, high‑net‑worth individuals, and retail clients. India‑based roles include:
- Portfolio Management – Multi‑asset strategies and ESG integration.
- Research & Analytics – Equity, credit, and macroeconomic research.
- Client Advisory – Wealth planning and customised investment solutions.
Platform Solutions & Engineering
What it is – Technology‑driven financial products and operational platforms. India‑based roles include:
- Transaction Banking – Digital cash management and payments.
- Consumer Platforms – Credit cards, lending, and digital finance products.
- Engineering & AI – Software development, data engineering, and generative AI projects.
Internal Functions
What it is – Corporate services that enable global operations. India‑based roles include:
- Risk Management – Credit, market, and operational risk oversight.
- Compliance & Legal – Regulatory adherence and policy governance.
- Finance & Operations – Treasury, accounting, and trade settlement.
Important dates & deadlines?
Application Deadline
11 Dec 26, 01:38 PM IST
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