CAREERS

Senior Commercial/Private Banking Lender

📁
Personal Banking/Private Bankg
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76902 Requisition #
Job Summary:
 As a senior member of the Northern Trust Austin office, the Senior Commercial/ Private Banking Lender is responsible for developing new relationships for the Bank and broadening relationships of existing clients. This individual will manage ongoing complex credit and deposit relationships for individuals, corporations and partnerships. Develops and cultivates relationships with new and existing clients to enhance profitability of credit and deposit services for the Bank. Services a portfolio of existing relationships and acts as a key contact to senior client contacts for negotiating credit arrangements and improving cash flow. Enhances quality of service to existing accounts and coordinates delivery of client service with other parts of the Bank. 
Major Duties
1. Responsible for developing new relationships and existing relationships. Identifies prospects and develops the marketing strategy for specific clients. Modifies plans and strategies for changes or insight into overall banking climate or specific industry characteristics. 
2. Manages complex wealth management banking credit and treasury management client relationships and identifies opportunities external to banking in the areas of investment and fiduciary.
3. Applies knowledge of credit policy, banking products as well as risk management in serving clients.
4. Responsible for “cold calling” on prospects with the ability to self-source new relationships.
5. Responsible for structuring and negotiating complex loan and/or lease agreements according to guidelines established by senior bank and business unit management. 
6. Analyzes and negotiates the terms of loans, such as special pricing conditions, interest rates, Swaps etc. according to guidelines set by the Credit Policy Committee. Oversees and negotiates the preparation of documentation necessary for the financing agreement. 
7. Advises and consults with clients as it relates to Life Driven Wealth Management.
8. Generates leads through well established relationships with COI’s and cultivates a network of additional COI’s.
9. As subject area expert, provides comprehensive, in-depth consulting and leadership to team and partners at a high technical level.
10. Carries out activities that are large in scope, cross-functional and technically difficult.
11. Role is balanced between high level operational execution and development and execution of strategic direction of business function activities. 
12. Conducts preliminary analysis.
13. Responsible for direct interaction with different committees and/or management.
14. Strategic in developing, implementing and administering programs within functional areas.
Qualifications:
• Candidates should have 7 years or more of commercial lending, private banking experience or a combination of both.
•Formal credit training by a national or large regional bank preferred.
•Advanced knowledge of the banking industry, competition and financing, usually acquired through formal education and experience is required.
•Knowledge of investments, trust and financial consulting concepts is preferred to identify cross selling opportunities.
•Skills in negotiation, leadership and sales are necessary to develop the client and prospect relationships and a partner network.
•Must possess strong credit acumen in order to advise high net worth clients with their complex credit needs.
•Strong organizational skills and portfolio management expertise.
•Excellent oral and written communication skills.

About Northern Trust:
Northern Trust provides innovative financial services and guidance to corporations, institutions and affluent families and individuals globally. With 130 years of financial experience and nearly 20,000 partners, we serve the world’s most sophisticated clients using leading technology and exceptional service. 
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 that is committed to strengthening the communities we serve!                
We recognize the value of inclusion and diversity in culture, in thought, and in experience, which is why Forbes ranked us the top employer for Diversity in 2018. 
We’d love to learn more about how your interests and experience could be a fit with one of the world’s most admired and ethical companies. Build your career with us and apply today.

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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), 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.

Equal Employment Opportunity Statements
  • APAC/India EEO Statement
    • 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
    • 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