GBM - Private Collateral Management - Warehouse Lending: Associate

Loan Management primarily supports the Global Banking & Markets Division within Goldman Sachs. Loan Management, amongst other things, is responsible for directing and facilitating due diligence, portfolio analytics (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.
Loan Management in Bengaluru seeks an Analyst to support the US mortgage desk. He/she will be acting as an Asset Manager and be primarily responsible for all Asset Management functions of the Warehouse Lending positions. Functions include deal/legal document review, portfolio performance monitoring, deal covenant monitoring, reporting, market research and deal onboarding to internal system. The AM will be helping the US counterparts in Pre/Post close discussions with the Trading Desk and Clients to understand the business needs and gather information to perform all Asset Management functions. The ideal candidate possesses a strong understanding of structured finance asset classes, with experience on both the residential and consumer sides.

Key Responsibilities

•Deal Management: Manage warehouse facilities, assist legal and deal teams in negotiating loan terms and associated documents. Ensure seamless execution of warehouse deals.

•Legal Document Interpretation: Expertly read and interpret governing legal documents such as credit agreements, fee letters, custodian agreements, and service agreements.

•Data Modeling: Translate complex loan documentation into meaningful Excel or system models for analysis and reporting.

•Collateral Management: Ensure collateral data adequacy for funding and other deal-related activities.

•Covenant Monitoring & Reporting: Monitor key financial covenants within deal documents, effectively capture and analyze portfolio trends, and report to stakeholders.

•Data Integrity: Ensure accurate data flow for all managed deals within internal systems, by collaborating with the mortgage desk, technology, and operations teams.

•Relationship Management: Manage client and internal stakeholder relationships, ensuring smooth execution of various warehouse deals.

•Process Improvement: Participate in ad hoc/special projects to support process improvement and the implementation of technology initiatives.

•Reporting Solutions: Develop reporting solutions using internal tools and identify issues with reporting rules.

•Dashboard Monitoring & Tracking: Maintain various internal dashboards that track portfolio data and communicate results to various business groups at different deal stages.
Qualifications:

•Relevant experience in Mortgages or Consumer Portfolio / Collateral Analytics / Asset Management.

•Strong academic background – Finance, business, accounting degree with a minimum 3.5 GPA or equivalent

•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. Alteryx, CAS, and Tableau experience is a plus.

•Strong project management skills include Stakeholder Management skills, portfolio 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.

•Ability to work independently while supporting team goals /objectives.

•Working knowledge of structured finance asset classes (residential and consumer).

•Self-motivated with keen analytical skills.

•Ability to effectively interact with all stakeholders.

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