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Join us as an "AVP - Credit Analysis Manager" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences.
Job Responsibility
Assess a customer’s business and/or transaction structure through the analysis of business, transactional, market and credit risks associated with the provision of the Bank’s products and services to the customer
Provision of information on a customer’s business via research, using various sources e.g. trade journals / brokers reports / Internet / Bloomberg and rating agencies
Deliver professional advice on risk management matters, industry and product sets, competitor activity and the timely involvement of external specialists
Develop highly thought-out, top-quality credit analysis and solutions, with the view to obtaining credit approval from Credit Sanctioners/Credit Committees
The preparation of credit proposals for recommendation and presentation directly to the Sanctioner and/or Committee on behalf of the Relationship Point
Creation/verification of customer grading and severity, ensuring the optimal use of financial modelling and grading tools
Responsible for the first-class analysis of financial information produced by customers
Responsible for the full & accurate delivery of Post sanction documentation
Partner closely with the Risk Sanctioning Unit and Relationship team on new credit applications, providing early guidance on credit appetite and proactively engaging credit sanctioners to help shape bespoke customer and risk solutions
First class delivery of service in line with agreed service level agreements/customer set deadlines
Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of colleagues within the team
Act as liaison for risk management information purposes with ABs, accountants, solicitors and other relevant people
Occasional customer interaction to discuss lending proposals in detail, making recommendations as appropriate
Support the Business by operating within cost budgets, using initiative to “working smarter”
Coach, mentor and guide the junior analysts in the team to bring them up the learning curve and further hone their credit skills
Be an SME and act as a role model for the team members
As a senior member of the team, to undertake and complete ad hoc projects as and when required, under your own drive and initiative
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Barclays Policies and Policy Standards
Requirements
CA or MBA - Finance (CFA/FRM added advantage)
Prior experience in corporate credit analysis in any Indian nationalised and private banks or foreign bank (Rating Agency added advantages)
Ability to generate insights from data and information, assess the risk impact and recommend action
Understanding of financial statements to enable appropriate interpretation of results
Deep understanding of Corporate Banking products, Opportunity Assessment and Deal Structuring
Familiarity with MS Office and AI tools
Conceptual thinking – find innovative ways to solve analytical problems
Ability to deliver accurate results within tight deadlines
Team work – Commitment and ability to work with cross-functional teams
Strong interpersonal skills
Oral and written communication skills with ability to translate insight into a coherent story
Nice to have
Knowledge of UK GAAP and IFRS
Awareness of legislation affecting the Bank and customers (including the Data Protection Act, Companies Act, Insolvency Act, Financial Services Act, Money Laundering and confidentiality regulations, Sarbanes Oxley and Basel)