Credit Risk Sanctioner (VP)

9705 Barclays Bank SA/UAE; Chêne-Bougeries; On-site; CHF 180,000 - 260,000; Full time

Job summary

Barclays Bank (Suisse) SA in Geneva seeks an experienced Credit Risk Sanctioner (VP) to support sound credit decision-making and growth while protecting the bank's risk profile. The role involves handling a diverse portfolio of high-net-worth and institutional clients and partnering with key stakeholders to strengthen leadership capabilities within a Swiss private banking entity.

You will drive credit risk analysis, ensure compliance with policies and regulatory requirements, and contribute to

Qualifications

• Experience in credit risk management and sanctioning.
• Strong understanding of banking products, client behaviours and market dynamics.
• Stakeholder management and leadership experience.

Responsibilities

• Analyze lending applications and financial statements to assess creditworthiness.
• Monitor Swiss credit portfolio and identify early warning signs of risk.
• Evaluate risk profiles considering industry trends, borrower financials and collateral.
• Provide independent credit decisions in line with policies and regulatory requirements.
• Develop and implement actions for troubled lending, including workouts.
• Collaborate with Credit Structuring, Front Office, Legal and Operations.

Skills

Credit risk

Sanctioning

Stakeholder management

Leadership

Job description

Job Description 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.

Vice President Expectations

To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escape if managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements. 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 be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions. 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.

Barclays Bank (Suisse) SA

At Barclays Bank (Suisse) SA, we focus on delivering exceptional solutions to clients while maintaining a robust and sustainable risk framework.

As an experienced Credit Risk Sanctioner (VP), you will play a critical role in supporting sound credit decision-making and enabling business growth, while protecting the bank's credit risk profile. This is a great opportunity to work on a diverse portfolio of high-net-worth, corporate, and institutional clients, while partnering with key stakeholders and developing your leadership capabilities within a Swiss private banking entity.

Key Responsibilities

• 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 the Swiss credit portfolio, identifying potential risks and early warning signs of credit default.
• 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.
• Collaborate with key stakeholders within the business, including Credit Structuring, Front Office, Legal and Operations.
• Contribute to continuous improvement initiatives and change programmes within the Credit Risk function.

Success Criteria

To be successful as a Credit Risk Sanctioner (VP), you should have experience with:

• Credit risk management and sanctioning, with a proven track record of applying sound risk judgement in a private banking environment.
• Strong understanding of banking products, client behaviours, and market dynamics within the Swiss Private Banking environment.
• Stakeholder management and leadership, with the ability to influence senior partners, build trusted relationships, and drive effective outcomes.

Highly Valued Skills

Some other highly valued skills may include:

• Knowledge and experience within the mortgage lending business in Switzerland, UK and France (incl. Monaco).
• International experience across multiple countries and regulatory jurisdictions.
• Proficiency in English and French, any other language is a plus.

Location

Geneva

Work Experience

Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.