Analyst

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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: As an Analyst in Credit Analysis for Wealth Management, you will be responsible for evaluating the creditworthiness of high-net-worth individuals (HNWIs), trusts, privately held businesses, Not for Profit and Commercial Real Estate entities seeking tailored credit solutions. Your role involves analyzing financial statements, collateral, and risk profiles to provide insights and recommendations that support personalized lending decisions. 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 framework. 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 financial data to assess the creditworthiness of individuals or businesses. Prepare credit memos and provide detailed recommendations to support lending and investment decisions. Monitor borrower performance and ensure timely identification of potential risks by conducting thorough annual reviews. 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. Required Qualifications: 0-1 years of experience. Bachelor's degree in Finance, Economics, Accounting, or Business Administration (or equivalent). Strong financial and analytical skills, including the ability to interpret financial statements. Basic knowledge of credit analysis and risk assessment. Proficiency in MS Excel and other analytical tools. Strong interpersonal, communication, and problem-solving skills Preferred Skills: Internship experience in banking, finance, or credit analysis is a plus. Familiarity with regulatory frameworks, credit scoring, or risk management software. Relevant certifications (CFA Level 1, FRM, CMA, ACCA etc.) are advantageous but not mandatory Shift Timing: EMEA - 12:30PM to 9:30PM IST 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 MyHRHelp@ntrs.com, 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. Looking for greater? You found it. A global financial leader with more than 22,000 employees in 23 locations worldwide, Northern Trust empowers our employees to achieve more than just business goals. Our focus on work-life balance, career mobility and unique opportunities are just a few of the reasons we've been named one of the world's most admired companies. Terms and Conditions Candidate Privacy Notice California Applicant Privacy Notice Pay Transparency Nondiscrimination Provision (U.S) Transparency in Coverage Disclosure - North America Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities. If, because of a medical condition or disability, you need a reasonable accommodation for any part of the employment process, please email our HR Service Center or call 1-800-807-0302 (North America), +630-276-5353 (Asia Pacific), 1800-425-0333 (India), +44(0)207 982 4357 (Europe, Middle East and Africa) and let us know the nature of your request and your contact information. APAC/INDIA EEO STATEMENT It is the policy and practice of Northern Trust to provide equal employment opportunities to all employees and applicants. Northern Trust does not discriminate on the basis of race, colour, religion or belief, nationality, ethnic or national origin, sex, marital status, sexual orientation, disability or age. All employment decisions will be made in a non-discriminatory manner in accordance with our obligations under the law and codes of practice. This includes human resources' decisions relating to recruitment, terms and conditions of employment, transfers, promotions and access to learning and development. Canada EEO STATEMENT Northern Trust is an Equal Opportunity Employer. Hiring and other employment decisions at Northern Trust are made without regard to race, colour, religion, sex, ancestry, national origin, ethnic origin, age, disability, citizenship, veteran status, sexual orientation, record of offences, marital status, family status, or any other characteristic protected by federal, provincial, or local law, regulation, or ordinance. EMEA EEO STATEMENT It is the policy and practice of Northern Trust to provide equal employment opportunities to all employees and applicants. Northern Trust does not discriminate on the basis of race, colour, religion or belief, nationality, ethnic or national origin, sex, marital status, sexual orientation, disability or age. All employment decisions will be made in a non-discriminatory manner in accordance with our obligations under the law and codes of practice. This includes human resources' decisions relating to recruitment, terms and conditions of employment, transfers, promotions and access to learning and development. USA EEO STATEMENT It is the policy of The Northern Trust Company to afford equal opportunity in all phases of employment without regard to an individual's age, race, color, religion, creed, gender, national origin, citizenship status, marital status, pregnancy, sexual orientation, gender identity, gender expression, genetic tests and information, physical or mental disability, protected veteran status or any other legally protected status. EEO Know Your Rights (U.S.)