AWM | Private Bank | Ultra High Net Worth Credit Underwriter, Associate | Dallas

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Senior VP Underwriter at Goldman Sachs Private Bank in Dallas, leading underwriting of complex credit facilities for ultra-wealthy clients.

Drive credit structuring, risk management, and portfolio oversight with cross-functional teams in a fast-paced environment.

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 Vice President serves as a senior credit professional responsible for leading the underwriting, structuring, and approval preparation of bespoke credit facilities for Private Bank clients. This role partners closely with Originators, Investor teams, Credit Executives, Risk, and Legal to deliver high‑quality credit solutions while maintaining a disciplined risk posture.

The VP will oversee the end‑to‑end underwriting process for a complex and diverse loan portfolio—including secured, unsecured, real estate, marketable securities‑based, aviation, art, partner capital, and specialty asset lending. This leader will mentor junior underwriters, refine credit standards, and help drive continuous process improvement within the underwriting platform.

Key Responsibilities

Credit Underwriting & Structuring

• Lead underwriting of complex credit transactions, including bespoke and non‑standard structures for ultra‑high‑net‑worth clients, trusts, and family offices.
• Conduct comprehensive credit analysis, including cash flow modeling, collateral valuation, stress testing, global exposure assessments, and risk rating recommendations
• Structure credit facilities that align client objectives with prudent risk frameworks while ensuring feasibility, market competitiveness, and compliance with credit policies.
• Prepare high‑quality credit memos, approval packages, and portfolio monitoring updates for executive credit committees.

Risk Management & Governance

• Ensure compliance with internal credit policies, regulatory requirements, and portfolio risk guidelines.
• Identify emerging risks and implement risk‑mitigation strategies across assigned portfolios.
• Provide expert judgment on collateral types including marketable securities, alternatives, concentrated positions, real estate, and specialty assets.
• Monitor ongoing financial performance, covenant compliance, collateral sufficiency, and overall credit health.

Strategic Partnership & Execution

• Collaborate with Bankers, Capital Advisors, Investment Specialists, Risk, and Legal to drive seamless transaction execution.
• Support product innovation and credit program enhancements by sharing underwriting insights and identifying process improvements.
• Serve as a subject‑matter expert on Private Bank lending products, credit structures, and policy interpretations.

Leadership & Team Development

• Mentor Analysts and Associates, providing coaching on credit fundamentals, structuring, and communication.
• Lead cross‑functional workstreams and represent Underwriting in business initiatives, risk reviews, or policy discussions.
• Help shape a high‑performance culture grounded in credit excellence and client‑centric delivery.

Qualifications

Required

• 7–10+ years of relevant experience in credit underwriting, commercial lending, private bank lending, corporate banking, or asset‑based finance.
• Demonstrated expertise underwriting complex credit transactions for ultra‑high‑net‑worth clients or institutional‑level borrowers.
• Strong financial modeling, risk assessment, and collateral analysis skills across multiple asset classes.
• Excellent written and verbal communication skills, with an ability to clearly articulate complex credit concepts to senior stakeholders.
• Proven ability to manage multiple transactions simultaneously in a fast‑paced environment with high attention to detail.

Preferred

• Experience in private banking, wealth management lending, or UHNW relationship‑driven credit organizations.
• Familiarity with complex wealth structures (trusts, partnerships, family offices).
• Advanced credentials such as MBA, CFA, or formal credit training program completion.

Success Factors

• Strong judgment and ability to balance client needs with prudent risk management.
• Leadership presence, collaboration, and influence across cross‑functional teams.
• Ability to innovate and enhance underwriting processes while upholding high standards.
• Comfort with ambiguity and evolving credit landscapes.

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

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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.