Credit Underwriter, Analyst

Our Impact

Across Asset & Wealth Management (AWM), Goldman Sachs empowers clients worldwide to reach their financial goals through advisor‑led planning, investment management, banking, and tailored lending solutions. Within AWM, the Private Bank delivers competitive borrowing and cash‑management products from Goldman Sachs Bank USA, strategically integrated with each client’s broader wealth strategy. Our lenders and specialists provide bespoke solutions secured by a wide range of asset classes—including marketable securities, alternatives, residential and commercial real estate, and unique assets such as aviation, fine art, and private holdings. 

Your Impact

The Underwriting Analyst is an early-career role responsible for supporting all aspects of the Private Bank’s credit underwriting process. Analysts focus on data gathering, preliminary financial analysis, exposure tracking, and documentation support. The position is designed to build foundational credit skills and provide exposure to a wide range of wealth‑driven lending solutions.

This is an ideal role for early‑career talent seeking development in financial analysis and credit risk within a sophisticated private banking environment.

Key Responsibilities

Financial & Credit Analysis Support

• Collect and organize financial statements, tax returns, liquidity reports, and collateral documents.
• Prepare initial financial spreads, liquidity analyses, and exposure summaries.
• Assist with marketable securities analysis, LTV calculations, and collateral coverage reviews.
• Support Analysts and Underwriters with initial drafting of memo components and client summaries.

Operational & Execution Support

• Maintain credit files, internal databases, exposure systems, and workflow trackers.
• Support the documentation and closing process by coordinating with Legal, Compliance, and Operations.
• Perform data integrity checks and prepare materials for credit meetings and committee packages.

Risk & Controls

• Ensure that required documentation is collected and maintained in accordance with policy.
• Support periodic monitoring activities, including annual reviews, covenant checks, and collateral revaluations.
• Assist in identifying discrepancies or red flags in client information and escalate appropriately.

Collaboration

• Work closely with Associates, Underwriters, Bankers, and Risk to ensure timely, accurate execution.
• Participate in team meetings, training sessions, and underwriting discussions.

Qualifications

Required

• 1–3 years of experience in finance, credit underwriting, asset based lending, credit analysis, or credit risk required
• Strong analytical skills and proficiency with Excel and financial statement review.
• High level of accuracy, organization, and attention to detail.
• Strong communication skills and eagerness to learn credit fundamentals.

Preferred

• Internship or experience in private banking, corporate lending, wealth management, or credit operations.
• Exposure to financial modeling or analysis coursework.

Success Factors

• Curiosity and desire to develop credit expertise.
• Strong work ethic and willingness to support multiple stakeholders.
• Ability to learn quickly in a dynamic, high‑volume environment.
• Dependable execution and commitment to accuracy.

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. Learn more 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. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

© The Goldman Sachs Group, Inc., 2026. All rights reserved.

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.