Sr Analyst, Credit Analysis

About Northern Trust Northern Trust a Fortune 500 company is a globally recognized award-winning financial institution that has been in continuous operation since 1889 Northern Trust is proud to provide innovative financial services and guidance to the world s most successful individuals families and institutions by remaining true to our enduring principles of service expertise and integrity With more than 130 years of financial experience and over 22 000 partners we serve the world s most sophisticated clients using leading technology and exceptional service Job Summary Under general supervision while working independently most of the time the Senior Analyst - Credit Risk in Wealth Management is responsible for conducting in-depth credit analysis of high-net-worth individuals HNWIs privately held businesses not-for-profit organizations and commercial real estate clients You will analyze financial data using tools such as Moody s Credit Lens assess creditworthiness and develop credit analysis reports to support underwriting and lending decisions In this role you will manage complex credit analysis assignments mentor junior analysts and ensure the accuracy and quality of credit spreads You will also work on strategic and special projects identified by management You will collaborate with relationship managers and internal stakeholders to structure credit facilities that align with the clients wealth management goals while adhering to Northern Trust s risk management This position offers exposure to sophisticated financial products a dynamic work environment and opportunities to develop expertise in credit analysis for the wealth management sector Key Responsibilities Analyze financial statements credit reports and economic data to assess the creditworthiness of individuals or businesses Prepare comprehensive credit reports with a high degree of independence focusing on operational performance financial health and identify key risk mitigants Monitor borrower performance and ensure timely identification of potential risks by conducting thorough annual reviews Mentor junior analysts to ensure adherence to established standards and guidelines Contribute to division-wide initiatives and special projects as assigned by management Collaborate with onshore partners and relationship managers to develop tailored credit solutions Ensure adherence to Northern Trust s credit policies compliance standards process-related guidelines and controls Adhere to established QUALITY QUANTITY SLAs consistently Stay informed about market trends regulatory changes and economic factors affecting credit risk Pay attention to detail to ensure all documents are processed correctly Identify changes to processes to improve productivity and efficiency Qualifications Bachelor s degree in finance Economics Accounting or Business Administration or equivalent Strong financial and analytical skills including the ability to interpret financial statements Strong understanding of U S GAAP and financial statement analysis acquired through formal education and relevant work experience Familiarity with Moody s Credit Lens or similar credit spreading tools Solid grasp of operational credit and business risk frameworks Familiarity with lending products like Line of credits term loans etc Strong written and verbal communication skills ability to convey financial analysis in a clear and concise manner Capability to review peer work and coach junior team members Proficiency in MS Excel and other analytical tools Experience 2 to 4 years of experience in banking credit analysis or a related financial analysis function Additional certifications CFA Level 1 or 2 ACCA or any equivalent qualification will be an added advantage Working with Us As a Northern Trust partner greater achievements await You will be part of a flexible and collaborative work culture in an organization where financial strength and stability is an asset that emboldens us to explore new ideas Movement within the organization is encouraged senior leaders are accessible and you can take pride in working for a company committed to assisting the communities we serve Join a workplace with a greater purpose We d love to learn more about how your interests and experience could be a fit with one of the world s most admired and sustainable companies Build your career with us and apply today MadeForGreater Reasonable accommodation Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities If you need a reasonable accommodation for any part of the employment process please email our HR Service Center at We hope you re excited about the role and the opportunity to work with us We value an inclusive workplace and understand flexibility means different things to different people Apply today and talk to us about your flexible working requirements and together we can achieve greater