Credit Risk Manager

Barclays Business Banking; Northampton; On-site; GBP 50,000 - 75,000; Full time

Job summary

Join a leading banking institution as a Credit Risk Manager, responsible for managing corporate credit risk within defined policies and budgets. This role involves collaboration with relationship teams, credit assessment, and ensuring adherence to risk standards. The ideal candidate will have relevant experience, strong relationship building skills, and a desire to support the bank's financial stability.

Qualifications

• Relevant experience in credit risk management role.
• Broad understanding of Barclaycard and Corporate Banking products.
• Ability to demonstrate risk and controls knowledge.

Responsibilities

• Manage credit risk for Barclaycard Payments Acquiring.
• Provide expert lending advice to new or additional business clients.
• Develop strategic direction for risk and stakeholder management.

Skills

Credit assessment

Structuring

Relationship building

Negotiation

Influencing

Education

Credit Skills Development qualification or equivalent

Job description

Join us as a Credit Risk Manager.

The team is responsible for the report writing, sanctioning and review of new and additional corporate credit risk applications for Barclaycard Payments Acquiring.

Responsible for managing credit risk arising from Barclaycard Payments Acquiring within Policy, appetite, and impairment budgets, structuring transactions and recommending or sanctioning exposure requests from Barclaycard customers, across multiple industry sectors. A personal sanctioning authority will feature subject to relevant experience.

What You Will Be Doing In This Role

• Working in partnership with Relationship/Product and relevant bank sanctioning teams, provide credit input and expertise, delivering a World Class credit service and ensuring achievement of the team's risk and business objectives.
• Maintaining and improving the quality of the credit portfolio by application of best practice in decision making, in line with personal and team lending discretions.
• Provide expert lending advice and sanctioning for our new or additional business clients, focusing on ensuring we provide overall support within our credit appetite.
• A key element of the role is developing a strong partnership with Sales and Relationship teams and their leaders, maintaining and improving the overall quality of our lending book.
• Work with Relationship colleagues, providing post application-based coaching and discussions.
• Development of strategic direction for risk, including the implementation of up-to-date methodologies and processes.
• Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services.
• Adherence to the Risk policy, standards, and frameworks, and maintaining a robust control environment.
  
  

Essential Skills/Basic Qualifications

• Relevant experience in a credit risk management role displaying credit assessment, structuring, and sanctioning skills
• Broad understanding of Barclaycard, Business and Corporate Banking products and risk policies.
• Relationship Building Skills demonstrating negotiation and influencing skills
  
  

Desirable Skills/Preferred Qualifications

• Completed Credit Skills Development (CSD) qualification or equivalent providing relevant technical skills. Strong Intellect balanced by practical and pragmatic approach.
• Understanding of key financial statements: Profit & Loss, Balance sheet, Cash flow.
• Understanding of the Acquiring/Payments processing product and associate risks.
  
  

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.

Purpose of the role

To support the Risk Function in delivering it’s objective of safeguarding the bank's financial and operational stability by proactively identifying, assessing, mitigating, and monitoring risks across various business units and activities.

Accountabilities

• Development of strategic direction for risk, including the implementation of up-to-date methodologies and processes.
• Management of the risk department, including oversight of risk colleagues and their performance, implementation of risk priorities and objectives, oversight of department efficiency and effectiveness.
• Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services.
• Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment.
  
  

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.

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