About Northern Trust
As a global leader in innovative wealth management, asset servicing, asset management and banking services, Northern Trust (Nasdaq: NTRS) is proud to guide the world’s most successful individuals, families, corporations and institutions.
Since 1889, we have aligned our efforts with our three guiding Principles That Endure: Service, Expertise, and Integrity. Together, they reflect the three cornerstones of business conduct which we strive to instill in our employees, whom we call partners, and to provide to our clients and the communities we serve worldwide.
With more than 135 years of financial experience and over 24,000 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. The Senior Analyst 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, the Senior Analyst manages complex credit analysis assignments, mentors junior analysts, and ensures the accuracy and quality of credit spreads. The Senior Analyst also works on strategic and special projects identified by management.
Collaboration with relationship managers and internal stakeholders is required to structure credit facilities that align with 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:
• Analyzes financial statements, credit reports, and economic data to assess the creditworthiness of individuals or businesses.
• Prepares comprehensive credit reports with a high degree of independence, focusing on operational performance, financial health, and identification of key risk mitigants.
• Monitors borrower performance and ensures timely identification of potential risks by conducting thorough annual reviews.
• Mentors junior analysts to ensure adherence to established standards and guidelines.
• Contributes to division-wide initiatives and special projects as assigned by management.
• Collaborates with onshore partners and relationship managers to develop tailored credit solutions.
• Ensures adherence to Northern Trust’s credit policies, compliance standards, process-related guidelines, and controls.
• Consistently adheres to established QUALITY & QUANTITY SLAs.
• Stays informed about market trends, regulatory changes, and economic factors affecting credit risk.
• Pays attention to detail to ensure all documents are processed correctly.
• Identifies process changes to improve productivity and efficiency.
Qualifications:
• Graduation or above degree in finance, accounting, or business administration (or equivalent)
• Additional certifications such as CFA, FRM, CMA, etc., are considered advantageous but are not mandatory.
Experience & Skills:
• 2 - 4 years of experience in financial spreading and credit memo underwriting, strong financial analysis and analytical skills. Familiarity with lending products such as lines of credit and term loans is required.
• Excellent time management skills, with the ability to multitask, work independently, and handle competing priorities under pressure.
• Ability to present information in a clear and concise manner, effectively telling the story behind financials in a compelling way.
• Ability to research issues/problems and provide a ‘solution-based’ approach
• Excellent verbal and written communication and partnering skills. A confident and personable attitude with the ability to communicate effectively with onshore relationship managers and other stakeholders
• Self-motivated individual to go beyond immediate responsibilities
• Familiarity with Moody’s Credit Lens or similar credit spreading tools. Proficiency in MS Excel and MS Word and other Microsoft 365 tools.
• Capability to coach and mentor junior team members.
Shift Coverage: EMEA - 12:30PM to 9:30PM IST
About the Team
This position is within the Financial Risk Division, organizationally aligned under Global Risk. The department plays a pivotal role in the credit underwriting process, monitoring loans, assessing risks across credit portfolios thereby safeguarding the organization’s financial stability by ensuring rigorous credit analysis, adherence to regulatory standards, and the implementation of robust risk mitigation strategies. Through its oversight and expertise, the Financial Risk Division contributes significantly to the institution’s overall risk management framework, supporting prudent lending decisions and promoting long-term organizational resilience.
The Credit Services division serves the Northern Trust Wealth Management customers including Global Family Office clients through a range of lending services, including but not limited to Secured, Unsecured loans to Individuals, and their privately held entities, and Commercial Real estate lending.
Working with Us
As a Northern Trust partner, you will be part of a flexible and collaborative work culture, which has a strong history of financial strength and stability. Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to an inclusive workplace and assisting the communities we serve.
Philanthropy is deeply rooted in Northern Trust’s history and is an essential element of our culture. Employees around the world give their time and talent to work for the greater good of their communities.
Reasonable Accommodation
Northern Trust is committed to working with and providing adjustments to individuals with health conditions and disabilities. If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at [email protected], or alternatively you can discuss your individual requirements with the recruiter you are working with.
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.
Skills Required
- Bachelor's degree in finance, accounting, or business administration (or equivalent)
- 2-4 years of experience in financial spreading and credit memo underwriting
- Familiarity with lending products such as lines of credit and term loans
- Experience preparing comprehensive credit reports and financial analysis
- Familiarity with Moody's Credit Lens or similar credit spreading tools
- Proficiency in MS Excel, MS Word and Microsoft 365 tools
- Strong written and verbal communication and stakeholder partnering skills
- Excellent time management, multitasking, and ability to work independently under pressure
- Ability to mentor and coach junior team members
- Additional certifications such as CFA, FRM, CMA
Northern Trust Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Northern Trust and has not been reviewed or approved by Northern Trust.
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Retirement Support — A 401(k) with company match alongside an employer‑funded defined‑benefit pension is highlighted in employer‑verified materials and filings, setting the retirement package apart from many private employers.
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Leave & Time Off Breadth — PTO is portrayed as solid overall, and two paid volunteer days per year are clearly documented across corporate materials.
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Parental & Family Support — Company sources and postings reference paid parental and caregiver leave and recent enhancements to parental benefits, indicating meaningful family support within the package.
Northern Trust Insights
What We Do
As a global leader in innovative wealth management, asset servicing and investment solutions, Northern Trust (Nasdaq: NTRS) is proud to guide the world’s most successful individuals, families and institutions by remaining true to our enduring principles of service, expertise and integrity. A globally recognized Fortune 500 Company in continuous operation since 1889, we’ve built a legacy of empowering clients to reach their goals with confidence. Since our roots as a trust bank, we’ve grown to a global presence with more than 24,000 employees in more than 20 countries and across six core business units: Wealth Management Asset Management Asset Servicing Technology Corporate Functions Enterprise Operations Join a Team That’s Achieving Greater At Northern Trust, we refer to our employees as partners – with good reason. We understand that relationships are the key to our success. Here you’ll join a diverse and inclusive team of innovators with the drive to challenge the way things have always been done. Instead of choosing between a dynamic career and work-life balance, enjoy working with a team that supports your goals in the office and at home. We’ll help you get where you want to go without sacrificing what matters most to you. Delivering value and adhering to our enduring principles What are enduring principles? Since our founding, they have guided our strategy and success. Thanks to the dedication of our partners, Northern Trust continues to thrive by adhering to three enduring principles: service, expertise and integrity . What does this mean? Service Northern Trust has a relentless drive to provide exceptional service to our clients, our partners and our communities. We set new standards and go above and beyond in our commitment to delivering greater results. Expertise Expertise is at the core of who we are. We focus sharply on what we do well. From expanding our capabilities, to hiring talented professionals to developing innovative solutions, our expertise is why we continue to be a trusted advisor for generations of families and institutions. Integrity Operating with uncompromising ethics is central to Northern Trust’s heritage. As a result, our clients, partners and communities know they can rely on us. For more than 130 years, our integrity has been our guide – and that will never change.
Why Work With Us
At Northern Trust, we go further because we go together. We embrace flexibility, encourage balance, and prioritize inclusion at all levels, working together to keep you connected. We are committed to our employees—all 24,000 of them. Whether this is a first step or a bold new leap in your career, we’re here to help you move forward.
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