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Consultant, Credit Review

📁
Risk Management/Compliance
📅
77455 Requisition #
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Responsible for conducting complex periodic reviews of the Corporation’s various credit portfolios, ensuring risk rating integrity, portfolio quality, completeness of credit documentation, credit policy adequacy and adherence. Recommends changes to management with written analysis of findings.

1. Leads or participates in the more complex periodic reviews of the Corporation’s various credit portfolios, ensuring risk rating integrity, portfolio quality, completeness of loan documentation, credit policy adequacy and adherence.

2. Ensures compliance with internal credit policies and procedures and federal and state banking rules and regulations.

3. Recommends additional documentation, collateral, and other ways in which to improve an existing credit transaction.

4. Frequently interacts with partners in credit and banking during a portfolio audit and with management at affiliate offices in reviewing audit results.


5. Provides comprehensive, in-depth knowledge consulting and leadership to team and partners and provides strong knowledge of other areas.


6. Serves as an expert resource or go to person within a group.


7. Keeps abreast of economic, political, and legislative factors that could affect the quality of loan portfolios.


8. Reviews work of others when acting as the examiner in charge.

Six or more years of commercial lending and or credit review experience, including collateral audit and loan documentation reviews. Counterparty credit review experience is preferred but not required. 

Former regulator experience considered a plus, but not required.

Knowledge of and prior review experience with complex credit structures (highly leveraged loans, Private equity loans, hedge funds, etc.) is preferred but not required.

BASEL II AIRB implementation experience is a plus. 

Strong knowledge of credit analysis, the corporation’s credit policies, and required loan documentation, usually acquired through work experience and formal education, is required. 

Strong analytical skills are required to read and interpret credit documentation and to identify potentially negative credit conditions.

Strong interpersonal skills are required to interact with Credit Risk Management and Business Unit senior representatives.


For more than a century, Northern Trust has worked hard building our legacy of outstanding service, expertise and integrity. From a Chicago-based bank founded in 1889, we now have more than 20 international locations and 18,500 employees globally. We serve the world’s most-sophisticated clients – from sovereign wealth funds and the wealthiest individuals and families, to the most-successful hedge funds and corporate brands.

We burnished our reputation as a global leader delivering innovative investment management, asset and fund administration, fiduciary and banking solutions enabled by sophisticated, leading technology. And through it all, we continually laid a solid, forward-looking foundation on which future generations can continue growing and achieving greater.

As of March 31,2019, Northern Trust Corporation had:

$10.9 trillion in assets under custody/administration
$8.2 trillion in assets under custody
$1.2 trillion in assets under management
$122 billion in banking assets 

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Reasonable Accommodation
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), +44(0)207 982 4357 (Europe, Middle East and Africa) and let us know the nature of your request and your contact information.

Equal Employment Opportunity Statements
  • APAC EEO Statement
    • APAC 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
    • 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
    • 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
    • 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 poster (U.S.)EEO is Law Poster Supplement