Private Banking Loan Underwriter

1 week ago

Dallas, Texas, United States Goldman Sachs Full time

OVERVIEW OF THE POSITION:

Consumer and Wealth Management (CWM)

Goldman Sachs is dedicated to assisting clients and customers globally in achieving their financial aspirations. Our advisor-led wealth management divisions offer financial planning, investment management, banking, and comprehensive advisory services to a diverse clientele, including ultra-high net worth and high net worth individuals, family offices, foundations, endowments, and corporations. Our consumer segment provides innovative digital solutions to enhance spending, borrowing, investing, and saving capabilities. The growth of CWM is fueled by our unwavering commitment to our people, our clients, and cutting-edge technology, data, and design.

Private Wealth Management (PWM)

Goldman Sachs Private Wealth Management (PWM) focuses on developing holistic wealth management strategies for high net worth individuals, families, and select institutions such as foundations and endowments. PWM teams collaborate closely with clients to provide tailored strategies leveraging our extensive investment expertise, diverse wealth management offerings, and global presence. Our Private Wealth Advisors (PWAs) offer an exceptional investment platform that encompasses the full range of products and services available at Goldman Sachs and beyond, including tax and estate planning, philanthropic guidance, and private banking and lending solutions. As client needs evolve, this close partnership enables the team to present complementary services and new opportunities by utilizing the resources of Goldman Sachs and beyond.

KEY RESPONSIBILITIES:

  • Conduct thorough assessments of credit implications for transactions involving loans when collateral value cannot solely inform the credit decision.
  • Collaborate closely with the Regional Lending Team to devise solutions that align with client needs and the Bank's risk acceptance criteria.
  • Maintain a comprehensive understanding of the product offerings in Private Lending, ensuring consistency in the underwriting process and adherence to the standards outlined in the Product Lending Guides.
  • Document the structure and analysis required for credit approval and maintain proper file documentation.
  • Ensure that loan approvals and policy exceptions are accurately documented and that credit files are organized satisfactorily.
  • Verify that loan documentation aligns with the approved terms for each transaction.
  • Assign appropriate risk ratings to each loan transaction.
  • Ensure compliance with all monitoring procedures related to covenants and collateral at all times.
  • Engage with banking regulators as necessary and provide support for the loan portfolio of Goldman Sachs Bank USA as requested.
  • Foster effective communication with Regional Private Lending teams, Credit Risk Management, PWM teams, and personnel from Goldman Sachs Bank USA.

ESSENTIAL QUALIFICATIONS:

  • A minimum of three years of experience in financial sectors.
  • Relevant experience should include roles in commercial banking and/or private banking underwriting or credit functions.
  • Bachelor's degree required; MBA preferred for more senior positions.
  • Key competencies include a detailed understanding of financial accounting, analysis, and modeling.
  • Strong people and project management skills.
  • Excellent oral and written communication abilities.
  • Flexible, personable, confident, self-motivated, and a team player.
  • Proficient multi-tasking and organizational skills.
  • Strong computer skills, including proficiency in Microsoft Office applications (Word, Excel, etc.) and internet capabilities.
  • A desire to contribute to a dynamic and expanding business.
  • Experience in mortgage underwriting is not relevant for this role.

ABOUT GOLDMAN SACHS:

Goldman Sachs is committed to leveraging our people, capital, and ideas to support our clients, shareholders, and the communities we serve. Established in 1869, we are a leading global investment banking, securities, and investment management firm headquartered in New York, with offices worldwide. We believe that individual diversity enhances our collective performance. Our commitment to fostering and advancing diversity and inclusion extends throughout our workplace and beyond, providing every individual with numerous opportunities for professional and personal growth through training, development, and wellness programs.

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