Real Estate Credit Risk - Vice President

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
• Providing portfolio and management information
• Liaising with support functions such as Portfolio, Legal, Compliance, and Lending Operations
• Attending credit-focused client calls and meetings

Maintaining effective relationships with key business and risk 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 considerable 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 ordinary office-type applications

Some other highly valued skills may include:

• Experience in credit sanctioning within the real estate sector, recognizing its differences from corporate sanctioning

You may be assessed on the key critical skills relevant for success in the 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 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

Vice President Expectations:

• 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 a 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 business strategies
• Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives
• Seek out, build, and maintain trusting relationships and partnerships with internal and external stakeholders to accomplish key business objectives

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.