Senior Analyst

About Goldman Sachs

Goldman Sachs is a leading global investment banking, securities, and investment management firm providing financial services to a diversified client base. Founded in 1869 and headquartered in New York, the firm has offices in major financial centers worldwide.

About Operations

Operations is a dynamic division partnering across the firm to provide banking, securities, and asset management services. It also manages essential risk and controls to enhance the firm's assets and reputation, developing and managing processes and controls that enable business flow for every new product and trade.

Your Impact

Loan Operations ensures efficient and accurate transaction processing for complex financial instruments. A key focus is establishing strong risk management procedures and controls. Functional processes align with the loan life cycle, including origination, commitment, settlement, drawdown/funding, pay-downs, reconciliation, and portfolio information management. This role involves significant interaction with revenue desks, sales, external agents, and exposure to compliance, credit, regulatory teams, treasury, technology, and other Operations areas to provide excellent client service.

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 critical thinking by investigating and resolving transactional exceptions.
• Coordinate with business, product control, and middle office to resolve issues.
• Manage process-related risks and identify deviations from established policies.
• Contribute to automation, de-risking, and streamlining of complex processes.
• Enhance industry knowledge through settlement of complex loan trades.
• Cultivate problem-solving skills by managing and reviewing complex legal documentation for syndicated loans.
• Build communication skills through daily interactions with external business counterparts like agent banks, clients, and trading partners.
• Function as a team player in a collaborative environment, working closely with internal stakeholders (Business Groups, Legal, Tax, Controllers, Technology, Compliance).
• Collaborate with Global teams in New York, Dallas, London, Bengaluru, and Asia on loan market initiatives.
• 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 for accurate operational application.
• Validate key clauses (e.g., transfer provisions, interest terms, covenants, fee structures) before transaction processing.

Controls, Risk & Compliance

• Perform pre/post-transaction checks to ensure compliance with credit agreements and regulatory requirements.
• Identify and escalate documentation exceptions or inconsistencies.
• Support reconciliation of cash, positions, and breaks to minimize 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 standardization initiatives.

Requirements & Tech Stack

Skills & Experience

• 2–6 years of experience in loan operations, loan documentation, or agency servicing.
• Exposure to syndicated loans and credit agreements.

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.