Credit Manager

The Wholesale Credit Risk (WCR) Noida is tasked with carrying out credit analysis, sanctioning credit limits and ultimately approving / recommending credit risk for corporate counterparties of Barclays. This person will be a part or member of the Risk - Centre of excellence , International Corporate Banking (ICB) - Credit risk team, with effective credit risk management (evaluation of risk/exposure management) of credits within UK/US/Europe Sector. They will support senior credit officers on ICB 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. They must stay current with financial analysis and risk profile of the assigned sectors, borrowers and counterparties and alert senior management of negative developments and trends for clients and segments within the assigned sectors. Also, support senior credit officers in evaluating new transactions and monitoring of existing portfolio of credits

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

• 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 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.

This role is based in our Noida office.

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 borrowers 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

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• 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 develop technical expertise in work area, acting as an advisor where appropriate.
• 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.