Credit Structurer

Overall purpose of role

The Global Structuring Team is responsible for the origination, structuring & transaction management of complex and/or large credit transactions across Barclays Credit product suite to Private Bank clients booked in Monaco including business flow from other Barclays platforms.

The role holder will work in close partnership with key stakeholders to deliver the strategy and support the growth ambitions for PBWM by implementing a broad range of initiatives across their designated coverage that are critical to the continued success of the credit business.

Key Accountabilities

• Partnering with Private Bankers to drive the origination of bespoke Credit solutions for UHNWIs & Key Clients whilst ensuring a high quality End-to-End client experience. This includes attending client meetings and calls alongside Bankers and Investment Advisors to lead credit discussions and provide accurate and value add technical and commercial input. 
• Acting as a first line of defense and triaging new credit opportunities and requests across the Credit product suite
• Responsible for ensuring that transactions are structured to comply with the  Bank’s rules & policies and proactively identify potential risks & mitigants, including credit, legal, tax, operational, reputational and conduct risks and escalate as necessary
• Accountable for accurate credit pipeline management and responsible for delivering against the credit balances and income targets for PBWM ensuring responsible growth and performance of the credit business
• Engaging with clients, senior bankers, introducers as well as other Product teams (Banking and Investments) and Functional teams (including Risk, Compliance, Legal etc) in order to deliver high value credit solutions across the client segments.  As part of this, partner with Investments to ensure strategic priorities are aligned to promote Securities Backed lending as an enabler to support growth of the investment business and AUM
• Providing key input in Credit portfolio  monitoring and have responsibility to demonstrate early problem recognition
• Accountable for education and awareness of all internal stakeholders to Credit prerogatives (Credit Risk policy, Affordability, Relationship profitability etc) in order to support the Group pricing strategy and balance sheet optimisation
• Responsible for benchmarking local knowledge in order to identify new product opportunities and/or enhancements and raise key competition data to Senior Management

Purpose of the role

To develop and manage the success of specific financial products and services, providing in-depth expertise on a particular product line, bridging the gap between product development, marketing, sales, and customer service. 

Accountabilities

• Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, financial returns limitations, risks and compliance.
• Understanding of market trends, new features, regulatory requirements and potential risks, and analysis of data obtained from sales figures and, customer feedback, to support the product origination and development process, and communicate key findings to relevant stakeholders to improve product offerings.
• Response to customer inquiries, attending client meetings and obtaining a detailed understanding of complex personal / corporate financial circumstances to originate Credit resolution of issues, and provision of guidance on product usage.  .
• Presentation of the advantages and features of the product to potential customers, building trust and encouraging adoption.
• Participation in training sessions and workshops to share product knowledge and expertise with colleagues and other stakeholders.
• Participation in events, conferences, and other internal networking opportunities to showcase the product and generate interest.

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.