Sr Analyst, Credit Analysis

Role Overview: As a Senior Analyst - Credit Risk in Wealth Management at Northern Trust, you will be 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. Your role will involve analyzing financial data, assessing creditworthiness, and developing credit analysis reports to support underwriting and lending decisions. You will have the opportunity to manage complex credit analysis assignments, mentor junior analysts, and work on strategic projects identified by management. Collaborating with relationship managers and internal stakeholders, you will structure credit facilities that align with clients" wealth management goals while adhering to Northern Trust's risk management practices. Key Responsibilities: - Analyze financial statements, credit reports, and economic data to assess the creditworthiness of individuals or businesses. - Prepare comprehensive credit reports independently, focusing on operational performance, financial health, and key risk mitigants. - Monitor borrower performance and conduct thorough annual reviews to identify potential risks. - Mentor junior analysts to ensure adherence to standards and guidelines. - Contribute to division-wide initiatives and special projects as assigned. - Collaborate with onshore partners and relationship managers to develop tailored credit solutions. - Ensure compliance with Northern Trust's credit policies, standards, guidelines, and controls. - Stay updated on market trends, regulatory changes, and economic factors affecting credit risk. - Identify process changes to enhance productivity and efficiency. Qualifications: - Bachelor's degree in finance, Economics, Accounting, or Business Administration (or equivalent). - Strong financial and analytical skills with the ability to interpret financial statements. - Understanding of U.S. GAAP and financial statement analysis. - Familiarity with Moodys Credit Lens or similar credit spreading tools. - Knowledge of operational, credit, and business risk frameworks. - Strong written and verbal communication skills. - Proficiency in MS Excel and other analytical tools. Experience: - 2 to 4 years of experience in banking, credit analysis, or related financial analysis. - Additional certifications such as CFA Level 1 or 2, ACCA, or equivalent qualifications are advantageous. If you are looking to join a dynamic work environment with exposure to sophisticated financial products and opportunities for professional growth, Northern Trust could be the perfect fit for you. Apply today to explore a rewarding career with us.,