Wholesale Lending - Loans Structurer (Europe)

Although English is the language used within the bank, the role holder is expected to be a German native speaker.

Purpose of the role

To design and execute loan transactions for the bank's corporate and institutional clients, collaborating with the bank's relationship managers, credit analysts, syndicate desk and legal team to develop and structure loan transactions that meet the needs of the client and the bank's risk appetite.  

Accountabilities

• Development of loan structures that align with clients' needs, considering loan size, seniority, term, pricing, covenants, and repayment structures.  .
• Collaboration with credit analysts to assess the creditworthiness of borrowers and determine risk levels associated with loans and mitigate risks through appropriate loan terms and structures  .
• Development of financial models to evaluate the impact of various loan structures on clients' financial statements, cash flows and ability to repay.  .
• Monitoring the performance of existing loan portfolios, making recommendations for adjustments when needed.  .
• Maintain an awareness of loan market conditions, pricing trends and competitor behaviour; use that knowledge to better position our client recommendations.  .
• Produce high quality client-facing materials, thematic as well as transaction-specific; maintain an origination dialogue with clients outside of the regular refinancing life-cycle.  .

Director Expectations

• To manage a business function, providing significant input to function wide strategic initiatives. Contribute to and influence policy and procedures for the function and plan, manage and consult on multiple complex and critical strategic projects, which may be business wide..
• They manage the direction of a large team or sub-function, leading other people managers and embedding a performance culture aligned to the values of the business. Or for an individual contributor, they lead organisation wide projects and act as deep technical expert and thought leader, identifying new ways of working and collaborating cross functionally. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions..
• Provide expert advice to senior functional management and committees to influence decisions made outside of own function, offering significant input to function wide strategic initiatives.
• Manage, coordinate and enable resourcing, budgeting and policy creation for a significant sub-function.
• Escalates breaches of policies / procedure appropriately.
• Foster and guide compliance, ensure regulations are observed that relevant processes in place to facilitate adherence.
• Focus on the external environment, regulators, or advocacy groups to both monitor and influence on behalf of Barclays, when appropriate.
• Demonstrate extensive knowledge of how the function integrates with the business division / Group to achieve the overall business objectives.
• Maintain broad and comprehensive knowledge of industry theories and practices within own discipline alongside up-to-date relevant sector / functional knowledge, and insight into external market developments / initiatives.
• Use interpretative thinking and advanced analytical skills to solve problems and design solutions in often complex/ sensitive situations.
• Exercise management authority to make significant decisions and certain strategic decisions or recommendations within own area.
• Negotiate with and influence stakeholders at a senior level both internally and externally.
• Act as principal contact point for key clients and counterparts in other functions/ businesses divisions.
• Mandated as a spokesperson for the function and business division.

All Senior Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.

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.