Analyst - Credit Risk

Join us as an "Analyst" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings ensuring unapparelled customer experiences.

Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for. If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application. Sponsored visas are role and entity specific, and any changes should be reviewed. It is important to ensure you are working on the correct visa at all times. Failure to accurately disclose your visa status or Legal Right to Work may result in your application or employment offer being withdrawn at anytime.

Member of the ‘Risk - Centre of excellence’, with effective credit risk management (evaluation of risk/exposure management) of credits within Corporate Sectors across UK / US / Europe / APAC.. Support senior credit officers on Leveraged Finance / High Yield credit transactions from a Risk perspective, including assessing and making recommendations to sanction transactions in accordance with Bank policy. Help to ensure continued growth of the business without incurring unmanageable risks. Stay current with financial analysis and risk profile of the assigned sectors, borrowers, and counterparties. Alert senior management of negative developments and trends for clients and segments within the assigned sectors. Support senior credit officers in evaluating new transactions and monitoring of existing portfolio of credits.

To be successful as an "Analyst" you should have experience with:

• Strong understanding of corporate finance and banking products, including knowledge of Loan, High Yield and derivatives documentation and credit terms

• Possess good analytical skills with attention to detail, ability to provide big picture decision making

• Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate complex concepts and ideas.

• Masters / Professional qualification such as MBA/ CA/ CFA or equivalent.

Some other highly valued skills may include:

• Decision making and problem solving in a complex environment

• Good commercial experience working within Credit, preferably in an international banking environment.

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

Mumbai

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.

Analyst Expectations

• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

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.