Credit Analysis/credit Underwriting

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 worlds 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 worlds most sophisticated clients using leading technology and exceptional service Summary Under general supervision the Associate Consultant Credit Analysis is responsible for underwriting and evaluating credit requests including personal commercial not for profit and real estate Partners with bankers and relationship managers in underwriting and preparing loan memoranda for new loans renewals restructures reviews and amendments within policy guidelines Research and analyze pertinent financial statements of individuals businesses and other entities Major Duties Review individuals entities financials annual reports and other supporting financial data to accurately prepare spreads in Moody s Credit Lens MCL Analyze the individuals entities financials annual reports quarterly statements tax returns and other supporting financial data to determine their financial position and creditworthiness Perform credit analysis of large or key clients that require thorough understanding of credit Evaluate and underwrite credit requests across disciplines including personal commercial not for profit and commercial real estate Partner with Bankers Relationship Managers and other internal clients through financial credit analysis and identification of risk factors Adds value to ultimate client relationship by providing timely response and quality underwriting in coordination with client needs Perform quality check of the spreads reports completed by the junior analysts and ensure they are as per the guidelines Leverage his or her experience to suggest and implement process improvements Work on special projects and other projects as identified by the division management Develop subject matter expertise provide guidance and act as mentors to junior analysts Perform complex activities with significant financial client and or internal business impact Knowledge Skills Significant Knowledge of U S finance and accounting usually acquired through formal education and appropriate experience required to analyze and evaluate financial statements Knowledge of applicable industry laws and regulations required to review operational credit and business risk Analytical and communication skills verbal and written are required to analyze entities operating performance and prepare presentations Good working knowledge of MS Word and Excel Attention to detail organizational skills and ability to work independently Experience Required 4-6 years of banking or other financial credit analysis related experience 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 Wed love to learn more about how your interests and experience could be a fit with one of the worlds most admired and sustainable companies Build your career with us and apply today MadeForGreaterReasonable accommodationNorthern 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 youre 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