VP Credit Officer

This role will provide credit risk management for global corporates based in the UK and US.  Responsibilities will include counterparty and transaction approval in compliance with global credit policies.  The role will also involve reviewing counterparty gradings, monitoring counterparty exposure along with relevant sector and market trends. It will require the review and approval of counterparty credit risk exposure across lending, trade finance and derivative products in accordance with delegated authority and a close working partnership with global front office business teams across Sales and Trading.  The successful candidate will be expected to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards. We encourage our team to question established processes and suggest improvements wherever possible.

Essential Skills/Basic Qualifications:

•    Good appreciation of general accounting principles, cash flow and balance sheet analysis and interpretation, financial models and modelling techniques, risk measurement and hedge management techniques.
•    Strong knowledge across a wide range of Corporate and Investment Banking products including lending, trade finance, derivative products, and their associated documentation.
•    Ideally a Bachelor’s Degree, with additional professional qualifications, e.g. FRM, MBA, CFA, etc. desirable, but not essential.

Highly desirable skills:

•    Very good interpersonal and written communication skills.
•    Organised, detail-oriented and proactive.
•    Experience of mentoring and developing junior colleagues.

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

This role is based in London.

Purpose of the role

To independently assess and make credit decisions for complex financing transactions, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures.

Accountabilities

• Analysis of complex financial information and business models to assess client creditworthiness, repayment capacity, and potential risks.
• Monitoring of the performance of client portfolios, identifying and reporting early warning signs of potential credit deterioration.
• Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
• Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance.

Vice President Expectations

• Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
• 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 comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.
• Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.
• Adopt and include the outcomes of extensive research in problem solving processes.
• Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

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.