Consultant

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 Consultant - Credit Risk Analysis 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.

Major Duties :

• 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.

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

24 months as Associate Consultant

6 to 8 years of experience in banking, credit analysis, or a related financial analysis function.

Additional certifications, CFA Level 1 or 2, FRM, 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 MyHRHelp@ntrs.com .

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.

About Our Bangalore Office

The Northern Trust Bangalore office, established in 2005, is home to over 5,600 employees. In this stunning office, space, we offer fantastic amenities which include our Arrival Hub - Jungle, the GameZone, and the Employee Experience Zone that appeal to both clients and employees. Learn more.