Jobs › Northern Trust

Credit Intern

Northern Trust · Chicago, IL · Full time

Posted Sep 1, 2026 · We last checked this listing on Oct 6, 2026

Apply at Northern Trust

Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Why are you interested in credit rather than other areas of finance?

What they are checking: Genuine interest in risk and lending, which predicts engagement in the internship.

Tell me about a time you worked carefully with numbers and caught a mistake.

What they are checking: Attention to detail, which matters when spreading financial statements.

Tell me about a time you had to learn something unfamiliar quickly.

What they are checking: Learning speed and resourcefulness in a new environment.

Describe a group project where you had to handle a disagreement.

What they are checking: Teamwork and maturity in working through conflict, which predicts how they will fit on a busy team.

What would you do

Imagine a client's revenue grew but their cash went down. What might explain that?

What they are checking: Ability to reason through working capital and spending rather than memorized answers.

How would you explain to a friend what a bank does when it decides to lend?

What they are checking: Clear thinking and plain communication about risk and repayment.

About the work

If you were looking at a company's financial statements to decide whether to lend money, what would you look at first?

What they are checking: Basic understanding of cash flow, debt and liquidity as the core of credit analysis.

What's the difference between the income statement, balance sheet and cash flow statement?

What they are checking: Whether they have the basic accounting foundation that every piece of credit analysis is built on.

What does a debt service coverage ratio tell you?

What they are checking: Familiarity with a basic credit ratio and what it means for repayment.

What's something happening in the economy right now that could affect business borrowers?

What they are checking: Curiosity about interest rates and economic conditions that shape credit risk.

Practice this interview out loud.

Offer builds a real interview for this exact role at Northern Trust from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

Practice this out loud

The full job description

As published by Northern Trust.

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. Please note: Each applicant has the opportunity to apply to a maximum of 3 job postings per recruitment season in North America.  Please do not create multiple email addresses to apply to additional opportunities. Posting Close Date: October 9 , 2026 , 11:59pm Central, unless the class is filled before that date. Applications will be reviewed on a rolling basis. We strongly encourage you to submit your application as early as possible as programs will close once positions are filled. WHO YOU ARE • You are pursuing a bachelor’s degree at an accredited college/university with an expected graduation date between December 2027 and Summer 2028 • You have a minimum GPA of 3.0 • You are curious about financial markets and interested in learning more about the financial services industry • You have proven analytical, data interpretation, problem-solving, critical and strategic thinking skills through course work and/ or previous internship experience • You have demonstrated leadership and teamwork through projects and extracurricular involvement WHAT YOU’LL DO As an intern at Northern Trust, you will have the opportunity to build relevant skills, work on meaningful projects, and participate in a collaborative program designed to support your early career development. You will work directly with your team on day-to-day tasks while joining internship program events to develop new skills, network with senior leaders, and connect with fellow interns in the program. Through hands-on experience, meaningful project work, and exposure to a dynamic global business, you will begin to see how your interests can grow into a long-term career at Northern Trust. A recruiter will work with you to determine the best team placement given your interests, skill set, and relevant experience. THE PROGRAM: • Ten weeks • Located in Chicago, IL PROGRAM OPPORTUNITIES: • Professional development workshops • Lunch & Learns with Leadership • Intern Cross-Functional Project Presentation • Intern volunteer event • Social events • Ongoing learnings at enterprise-wide level Mentorship and networking opportunities WHAT YOU’LL GAIN: • Develop an understanding of credit products and lending practices • Participate in credit analysis and underwriting • Provide banking services to Wealth Management and Corporate and Institutional clients SAMPLE FUTURE CAREER PATHS/TRACKS: Credit Analyst in a variety of areas including National Credit Services - Underwriting, Credit Portfolio Manage ment, Banking Services , and more as part of our Analyst Development Program (ADP). Salary Range: Salary is $30.00 USD per hour. Salary range is a good faith estimate of base pay. Northern Trust provides a comprehensive benefits package including retirement benefits (401k and pension), health and welfare benefits (medical, dental, vision, spending accounts and disability), paid time off, parental and caregiver leave, life & accident insurance, and other voluntary and well-being benefits. Northern Trust also provides a discretionary bonus program that may include an equity component. Work Authorization Applicants must be authorized to work in the U.S. without the need for employment-based visa sponsorship now or in the future. Northern Trust will not sponsor applicants for U.S. work visa status for this opportunity (no sponsorship is available for H-1B, L-1, TN, O-1, E-3, H-1B1, F-1, J-1, OPT, CPT or any other employment-based visa). 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.

Apply at Northern Trust