Consultant at Northern Trust

Bengaluru, Karnataka, India

Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Wealth Management, BankingIndustries

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 lines of credit, 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
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

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
Manage complex credit analysis assignments, mentor junior analysts, and ensure the accuracy and quality of credit spreads
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