Credit Risk Specialist - AVP

Barclays UK; Glasgow; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading financial institution is seeking a Credit Risk Specialist in Glasgow to identify, analyze, and mitigate credit risks associated with lending activities. Applicants should have strong technical skills in UNIX and SQL, as well as excellent communication abilities. The role involves analyzing financial data and monitoring loan portfolios to support bank lending policies. This position calls for individuals with a detailed understanding of risk and controls, aiming to safeguard the bank's financial health.

Qualifications

• Experience in financial institutions or consulting roles.
• High proficiency in UNIX and SQL.
• Excellent verbal and written communication skills.

Responsibilities

• Analyze financial data to evaluate risk of default.
• Monitor loan portfolios for early signs of default.
• Recommendation of loan approvals or adjustments based on risk.

Skills

Communication skills

Technical proficiency in UNIX

SQL knowledge

ITIL concepts

Batch monitoring tools (e.g., Autosys)

Tools

Service Management Tool (e.g., Service First / SNOW)

Database technologies

Windows experience

Job description

Embark on a transformative journey as a Credit Risk Specialist. At Barclays, our vision is clear –To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

To be successful as a Credit Risk Specialist, you should have experience with:

• Personal attributes essential to performing role including capabilities, knowledge, and experience

• Experience in primarily Run the Bank roles in financial institutions, consulting or technology companies or Programme management roles in other industries

• Technical experience with high proficiency in UNIX, SQL, ITIL

• Experience with ITIL concepts and best practices. Experience of using configuration management tools and reporting. (preferred Service Management Tool - Service First / SNOW)

• Experience in batch monitoring tools (preferably - Autosys)

Some other highly valued skills may include:

• Windows experience

• Unix, database technologies primarily in Investment Banking domain. (Exposure to Risk business area will be preferred)

• Knowledge of Investment Bank and IB risk functional knowledge

• Excellent communication (verbal and written) suitable for a diverse audience, with the ability to communicate in a positive, friendly and effective manner with ‘technical’ or ‘non-technical’ users/ customers

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.

The location of your role is Glasgow.

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

Accountabilities

• Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
• Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
• Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
• Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.

Assistant Vice President Expectations

• 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.