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What are the key skills and qualifications needed to thrive in the Net Credit position, and why are they important?

To excel in a Net Credit role, you should have a background in finance or accounting, with strong analytical abilities and knowledge of credit analysis processes. Familiarity with financial analysis software, credit risk assessment tools, and commonly used ERP systems such as SAP or Oracle is important. Excellent communication, attention to detail, and customer service skills distinguish top performers in this position. These competencies are vital for accurately evaluating credit applications, managing risk, and supporting organizational financial health.

What is a Net Credit job?

A Net Credit job typically refers to a role at NetCredit, a financial services company that provides personal loans and lines of credit. Employees in these roles may work in customer service, underwriting, risk management, or other financial operations. Their responsibilities often include evaluating credit applications, assisting customers with loan inquiries, and ensuring compliance with lending regulations.

What does a typical day look like for someone working in a Net Credit position?

A typical day in a Net Credit role involves reviewing credit applications, analyzing client financial statements, and collaborating with sales teams to determine appropriate credit terms. You will often monitor outstanding receivables, follow up on overdue accounts, and help resolve payment issues to maintain healthy cash flow. Regular interactions with customers and internal departments are common, requiring both analytical decision-making and strong interpersonal skills. The work environment usually involves both independent analysis and teamwork within the broader finance department, offering valuable exposure to various aspects of credit and risk management.

What are the most commonly searched types of Net Credit jobs in Texas? The most popular types of Net Credit jobs in Texas are:
What are popular job titles related to Net Credit jobs in Texas? For Net Credit jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Net Credit jobs in Texas look for? The top searched job categories for Net Credit jobs in Texas are:
What cities in Texas are hiring for Net Credit jobs? Cities in Texas with the most Net Credit job openings:
Net Credit jobs near you
Infographic showing various Net Credit job openings in Texas as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.
AWM | Private Bank | Ultra High Net Worth Credit Underwriter, Associate | Dallas

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

Goldman Sachs, Inc.

Dallas, TX • On-site

Full-time

Posted 12 days ago

Goldman Sachs rating

8.3

Company rating: 8.3 out of 10

Based on 27 frontline employees who took The Breakroom Quiz

48th of 170 rated banks

Job description


Our Impact
Wealth Management
Across Wealth Management, Goldman Sachs helps empower clients and customers around the world to reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients, including ultra-high net worth and high net worth individuals, as well as family offices, foundations and endowments, and corporations and their employees. Our consumer business provides digital solutions for customers to better spend, borrow, invest, and save. Across Wealth Management, our growth is driven by a relentless focus on our people, our clients and customers, and leading-edge technology, data and design.
Goldman Sachs Private Bank
Goldman Sachs Private Bank provides competitive borrowing and cash management solutions from Goldman Sachs Bank USA that are strategically integrated with our client's wealth management goals. Our experienced team partners with PWAs to advise clients on new loans, refinancing and restructuring of existing loans along with overall liability management. Our lenders and mortgage specialists provide a wide range of creative borrowing solutions against asset classes ranging from marketable securities and alternative investments, residential and commercial real estate to more tailored solutions against private assets such as aviation, fine art or vineyards. All team members are employees of Goldman Sachs Bank, USA.
Your Impact
The Underwriting Associate plays a critical role in supporting the Private Bank's credit delivery model. Working closely with Senior Underwriters, Originators, Credit Executives, and Risk partners, the Associate is responsible for preparing underwriting analyses, drafting credit memos, legal document negotiation and coordinating transaction execution across a wide spectrum of lending solutions for ultra-high-net-worth individuals, families, and family offices.
This role blends financial analysis, credit judgment development, and cross-functional collaboration, providing a pathway to becoming a senior underwriter.
Key Responsibilities
Credit Analysis & Underwriting Support
  • Prepare detailed financial, cash flow, collateral, and global exposure analysis to support loan structuring.
  • Draft credit memos, including borrower profiles, financial summaries, collateral reviews, and risk considerations; present to capital committee in support of deals
  • Conduct due diligence on clients, financial statements, asset holdings, trust structures, illiquid investments, and marketable securities portfolios.
  • Support ongoing portfolio monitoring, including covenant tracking, liquidity reviews, and risk rating updates.

Transaction Execution
  • Partner with Underwriters, Bankers, and Legal to collect documentation, resolve open items, and facilitate timely credit approval.
  • Assist in the coordination of closing processes, internal approvals, and compliance checks.
  • Proactively track workflow status and ensure accurate data entry into credit systems.

Risk & Governance
  • Ensure adherence to internal credit policies, regulatory requirements, and audit standards.
  • Identify data gaps or potential risk issues and escalate appropriately.
  • Support periodic portfolio reviews and risk deep dives.

Collaboration & Communication
  • Work with cross-functional partners-including Capital Advisors, Investors, Trust & Estates, and Risk-to ensure cohesive credit execution.
  • Prepare presentation materials, borrower analyses, and ad-hoc reports for senior stakeholders.

Qualifications
Required
  • 3-6 years of experience in credit analysis, corporate banking, underwriting, private banking, or related financial services.
  • Strong financial statement, cash flow, and collateral analysis skills.
  • Excellent written communication and attention to detail.
  • Ability to handle multiple transactions in a fast-paced, high-volume environment.

Preferred
  • Experience supporting UHNW or institutional-level borrowers.
  • Familiarity with securities-based lending, corporate lending, real estate lending, or other asset-based structures.
  • Completion of a credit training program, CFA Level I, or similar.

Success Factors
  • Strong analytical rigor and willingness to learn.
  • Ability to collaborate effectively with partners within the Private Bank and more broadly across Goldman Sachs to deliver for clients of other firm divisions.
  • Ownership mindset and accountability for quality and accuracy.
  • Professional communication and client-focused execution.

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.

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About Goldman Sachs

Sourced by ZipRecruiter

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.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1869

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