Senior Analyst, Credit Underwriting & Analysis - Bangalore

Northern Trust Corp; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Northern Trust Corp in Bengaluru seeks a Senior Analyst – Credit Risk for Wealth Management to conduct in-depth credit analyses of HNWIs, privately held businesses, NPOs, and CRE clients. You will analyze financials, prepare credit reports, and support underwriting decisions while working with relationship managers to structure tailored facilities.

The role emphasizes independent work, mentorship of junior analysts, and adherence to risk policies in a dynamic wealth management environment.

Qualifications

• Graduation or above in finance, accounting, or business administration
• CFA/FRM/CMA advantageous but not mandatory

Responsibilities

• Analyze financial statements, credit reports, and economic data to assess creditworthiness.
• Prepare comprehensive credit reports, focusing on operational performance and financial health.
• Monitor borrower performance and conduct annual reviews to identify risks.
• Mentor junior analysts to ensure adherence to standards.
• Collaborate with relationship managers to structure tailored credit solutions.
• Ensure adherence to credit policies, compliance standards, and controls.
• Stay informed about market trends and regulatory changes affecting credit risk.

Skills

Credit risk analysis

Financial spreading

Underwriting

Stakeholder communication

Mentoring

Presentation skills

Regulatory awareness

Time management

Problem solving

Education

Bachelors in Finance/Accounting/Business Admin

Tools

Moody's Credit Lens

Excel

MS Word

MS 365

Job description

**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