Global Banking & Markets- Lending Operations -Loan Documentation- Associate-Bengaluru
BFSI (Operations & Lending)
Job Description
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 firms 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.
This role provides a high level of interaction with revenue desks, sales, external agents, as well as exposure to compliance, credit, regulatory teams, treasury, technology, and other Operations areas to ensure we provide excellent client service to our wide client base.
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 firms 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)
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
- 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
- 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
- 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
- 2–6 years of experience in loan operations, loan documentation, or agency servicing
- Exposure to syndicated loans and credit agreements is essential
Looking to get Placed? Try our Placement Guarantee Plan
- 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
- 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
- Financial or quantitative academic background.
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. Were 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.
Were 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
copyright The Goldman Sachs Group, Inc., 2025. All rights reserved.
Goldman Sachs is an equal employment/affirmative action employer
Skills
SalesAsset ManagementFrontFundingLoan OperationsLegal DocumentationManagement ServicesProcess ImprovementReportingTradingLendingIf 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
28 Nov 26, 01:23 PM IST
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Global Banking & Markets- Lending Operations -Loan Documentation- Associate-Bengaluru
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