UKC Credit Sanctioning Vice President

Overview

Join us as a Corporate Credit Risk Sanctioner where you will play a critical role within Barclays' Credit Risk team by managing and evaluating credit risks across a diverse portfolio of Corporate Bank clients. Your responsibilities will include analysing and approving credit proposals within delegated authority, monitoring industry and portfolio developments, and conducting in-depth financial risk assessments to ensure risk is managed within acceptable limits. You will lead credit processes for complex transactions, sanction under your delegated authority and/or prepare cases for senior sanctioning, and contribute to strategic risk initiatives and projects. This role requires prior experience in sanctioning Corporate Credit Transactions.

What you will need to be successful

• Sanctioning Corporate Credit Transactions


• Financial risk analysis (balance sheet, P&L and cash flow) of clients including supporting the credit approval process.


• Assessment of business and financial risks.


• Support in financial modelling or stress testing in support of requests/transactions. Analysis of the credit risk across a wide range of corporate and investment banking products.


• Transaction structuring and lending products documentation.


• Determining/recommending and monitoring of ratings and other relevant credit parameters.


• Maintaining the respective internal data systems and support internal/external reporting.


• Leading credit processes for complex transactions.


• Strong preference for candidates with experience in project finance


• Project management and proficiency on credit risk systems. Best practices and system improvements.


• Case presentation to committees and senior sanctioners where appropriate.


• Good Communication and Stakeholder Management Skills.


• Proactively contributing to strategic initiatives and projects within the risk function.

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills.

Role location

This role is located from our London office.

Purpose of the role

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

Accountabilities

• Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.


• Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency.


• Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.


• Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.


• Development and implementation of appropriate course of action for troubled lending, including workout plans, restructuring, or collections.

Vice President Expectations

• To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/processes; deliver continuous improvements and escalate breaches of policies/procedures.


• If managing a team, define jobs and responsibilities, plan for the department's future needs and operations, coach employees on performance, and contribute to pay decisions. Lead specialists to influence operations in alignment with priorities, while balancing budgets and schedules.


• If the position has leadership responsibilities, demonstrate leadership behaviours to create an environment for colleagues to thrive. The four LEAD behaviours are: Listen, Energise, Align, Develop.


• Or as an individual contributor, act as a subject matter expert, lead multi-year assignments, guide team members, and identify the need for other specialisations to complete assignments. Train and coach less experienced specialists and influence long-term profits and risks.


• Advise key stakeholders, including functional leadership and senior management on functional and cross-functional impact.


• Manage and mitigate risks through assessment in support of the control and governance agenda.


• Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does.


• Demonstrate understanding of how the organisation functions to contribute to business goals.


• Collaborate with other areas of work to keep up to speed with business activity and strategies.


• Create solutions based on sophisticated analytical thought and problem solving; use comprehensive analysis to define problems and develop innovative solutions.


• Adopt and include outcomes of extensive research in problem solving processes.


• Seek out, build and maintain relationships with internal and external stakeholders to accomplish key objectives, using influencing and negotiating skills.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge and Drive - the operating manual for how we behave.