CWM - Marcus by Goldman Sachs - Credit Underwriter - Analyst - Draper, UT

Location(s) US-UT-Draper
Job ID
Schedule Type
Full Time
Consumer Banking
Consumer and Wealth Management
Business Unit
Delivery Centralized
Employment Type


Consumer and Wealth Management (CWM)

Across Consumer and Wealth Management (CWM), Goldman Sachs helps empower clients and customers around the world 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 consumers to better spend, borrow, invest, and save. Across CWM, our growth is driven by a relentless focus on our people, our clients and leading-edge technology, data and design.



The firm’s Consumer business, Marcus by Goldman Sachs, combines the entrepreneurial spirit of a startup with more than 150 years of experience. Today, we serve millions of customers across multiple products including lending, deposits, financial tools, and our partnership with Apple on Apple Card. We use innovative design, data, engineering and other core capabilities to provide customers with powerful tools and products that are grounded in value, transparency and simplicity. As we build a leading digital consumer bank and expand into new products and partnerships, we are looking for leaders and individual contributors to join our team.




As part of the Credit Underwriting team, you will be responsible for evaluating an applicant’s credit worthiness based off of reviewing the consumer credit bureau and following Credit Risk guidlines. We are seeking an experienced operations analyst to support our Credit lending, and management of our contact center strategy and operations within the Consumer Digital Finance team.  Candidates must have direct experience in manual underwriting. Ideal candidates will have extensive experience in all aspects of Credit underwriting and financial history research. In this role, the candidate will be required to collaborate with the Onboarding VP/Associate, Credit Strategy, technology and process engineering teams to design best in class customer experiences as well as the underlying agent facing and customer facing systems that deliver these experiences.



  • Manually reviewing Consumer credit bureaus to determine credit worthiness at time of application and for Credit Line Increase requests
  • Partner with the Credit Policy team to develop Credit risk capabilities to drive an industry leading Lending standard and exceptional customer experience, and at the right risk margin
  • Broad based knowledge of all aspects of contact center servicing and operations including applicable regulatory requirements
  • Ability to conduct detailed research on financial history to determine creditworthiness
  • Ability to think strategically when reviewing credit reporting to provide the best decision for the firm
  • Ability to execute servicing operational strategy for digital products
  • Ability to communicate effectively with senior leadership as well as junior contact center agents
  • Ability to establish and maintain a culture of risk management and compliance while delivering a world class customer experience in a contact center operation


  • Relevant industry expertise with 3 major Credit Bureau reporting agencies (TransUnion, Experian, Equifax)
  • 2+ years of manual underwriting experience
  • Broad based knowledge of all aspects of contact center servicing and operations including applicable regulatory requirements
  • Proficient in Microsoft Excel, PowerPoint, Visio and other software to deliver high quality materials
  • Ability to collaborate in a team environment, communicate effectively & influence others
  • Proactive, flexible and ability to multi-task 
  • Ability to learn quickly and adapt to projects and deadlines
  • Strong communication, presentation and problem solving skills


  • Bachelor’s Degree
  • 4+ years of manual underwriting experience
  • 3+ years of management experience preferred
  • Experience in a start-up environment



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

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