Real Estate Credit Risk Sanctioner

Barclays UK; London; On-site; GBP 60,000 - 90,000; Full time

Job summary

A prominent banking institution is seeking a Credit Sanctioner for their Real Estate Credit Team in London. The role involves assessing and approving credit applications, monitoring performance, and ensuring adherence to credit policies. Ideal candidates will demonstrate strong analytical skills, effective communication, and a solid background in credit sanctioning, particularly within the real estate sector. This position endorses leadership and strategic collaboration among team members to enhance lending practices.

Qualifications

• Experience in corporate credit analysis.
• Analytical and numerical skills for proposal structuring.
• Proven credit sanctioning experience, especially in real estate.

Responsibilities

• Approve or decline credit applications based on analysis.
• Monitor performance of approved lending and identify risks.
• Develop and implement actions for troubled lending.

Skills

Corporate credit analysis

Problem-solving

Communication skills

Negotiation skills

Presentation skills

Job description

As a Credit Sanctioner within the Real Estate Credit Team at Barclays International UK Corporate Bank, you will be responsible for all Real Estate UK Corporate and SPV lending. Your role will involve sanctioning credit proposals within your delegated discretion and presenting to higher-level sanctioners when necessary. Key responsibilities include:

• Approving credit proposals
• Identifying adverse trends in client credit profiles
• Ensuring timely referrals to Watchlist/Special Asset Management

You will support the team by providing portfolio and management information, liaising with support functions such as Portfolio, Legal, Compliance, and Lending Operations, and attending credit-focused client calls and meetings. Maintaining effective relationships with key stakeholders is crucial, as is supporting strategic and systems changes, and contributing to projects aimed at enhancing process efficiency and regulatory compliance. You will apply the highest standards of controls and risk management, ensuring appropriate credit grading and adherence to policies. Additionally, you will support colleagues to improve risk culture and engagement, including mentoring, personal development, and colleague recognition.

To be successful as a Real Estate Credit Sanctioner, you should have experience with:

• Corporate credit analysis skills with analytical and numerical abilities to challenge and structure proposals
• Problem-solving and decision-making capabilities
• Excellent communication, negotiation, and presentation skills
• Proven credit sanctioning experience, particularly with office-type applications

Highly valued skills may include experience in credit sanctioning within the real estate sector, recognizing its differences from corporate sanctioning.

This role is based in our London office.

Purpose of the role

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements, analyzing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

Accountabilities

• Analyzing lending applications, financial statements, credit reports, and other relevant documents to assess creditworthiness
• Monitoring the performance of approved lending, identifying risks and early warning signs
• Evaluating the risk profile considering industry trends, borrower financials, collateral, and market conditions
• Providing independent credit decisions, adhering to policies and regulations
• Developing and implementing actions for troubled lending, including workout plans and restructuring

Vice President Expectations

• Contributing to strategy, managing resources and policies, and driving continuous improvements
• Leading teams, defining roles, and influencing departmental operations
• Demonstrating leadership behaviors: Listen, Energise, Align, Develop
• Guiding technical direction and mentoring team members
• Advising stakeholders on impact and alignment
• Managing risks and strengthening controls
• Collaborating across functions and building relationships
• Developing solutions through analytical thinking and research

All colleagues are expected to embody Barclays Values: Respect, Integrity, Service, Excellence, and Stewardship, and to demonstrate the Barclays Mindset: Empower, Challenge, and Drive.