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 firm's 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 firm’s 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)

KEY RESPONSIBILITIES

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

Controls, Risk & Compliance

- 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

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 standardisation initiatives

Required Skills & Experience

Experience

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

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.

About Goldman Sachs

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.



We're 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. about our culture, benefits, and people at GS.com/careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. : https://www.goldmansachs.com/careers/footer/disability-statement.html

© The Goldman Sachs Group, Inc., 2025. All rights reserved.

Goldman Sachs is an equal employment/affirmative action employer

We Offer Best-In-Class Benefits Healthcare &

• Medical Insurance We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance. Holiday &

• Vacation Policies We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial

Wellness &

• Retirement We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected.

We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health Services

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state-of-the-art on-site health centers in certain offices.

Fitness

To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).

Child

Care &

• Family Care We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

Benefits at Goldman Sachs Read more about the full suite of class-leading perks our firm has to offer.

Opportunity Overview CORPORATE TITLEAssociate OFFICE LOCATION(S)Bengaluru JOB FUNCTIONPortfolio Lifecycle Management DIVISIONGlobal Banking & Markets

📌 Global Banking & Markets- Lending Operations -Loan Documentation- Associate-Bengaluru
🏢 Goldman Sachs
📍 Bengaluru