Credit Risk Analyst, AVP

Join Barclays on an exciting journey as part of our Credit Risk team in the Tokyo office, where you’ll play a pivotal role in analysing credit applications and monitoring the performance of approved credit limits. You’ll analyse financial information, evaluate creditworthiness, and support evaluation of the risk profile of each application, considering and recommending credit terms and conditions, all while adhering to established credit policies, risk appetite, and regulatory requirements. Exceptional verbal and written communication skills in both English and Japanese will be instrumental in fostering connections and driving success. Your problem-solving abilities, combined with essential skills in Credit Risk Analysis, Financial Markets knowledge, and understanding of Risk & Controls, will also be key to thriving in this role.

To be successful in this role, you should have the following: 

Essential skills:

• Knowledge of the Japanese political and economic environment and its effect on the Japanese financial sector combined with understanding of investment banking products including loans, securities financing & derivative products
• Ability to comprehend and interpret financial statements, with a strong numerical aptitude
• Utilise multiple information/data sources to analyse and present solutions to complex problems keeping the overall firm business objective in mind.
• A team player, capable of working under high pressure and handling urgent transactions in a timely manner

Desired skills 

• Current or previous experience in a risk management, finance, or product control role
• General understanding of local regulatory requirements and knowledge of payment flows from front to middle office.
• Familiarity with legal documentation (ISDA/CSA, JSDA etc) and ability to perform quantitative/statistical analysis to help assess and quantify risks.

You may be assessed on 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.

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 must be reviewed. It is important that you 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 any employment offer being withdrawn at any time.

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. 

Assistant Vice President Expectations

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
• If the position has leadership responsibilities, People 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.
• OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
• Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
• Take ownership for managing risk and strengthening controls in relation to the work done.
• Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
• Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
• Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
• Influence or convince stakeholders 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.