Credit Risk Officer – Financial Institutions and Emerging Markets

Join us as a "Credit Risk Officer – Financial Institutions and Emerging Markets" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences.

Overall purpose of role

• Effective credit risk management of the assigned portfolio of clients like Financial Institutions and/ or corporate clients.

• Ensuring compliance with Bank’s credit risk policies & procedures and internal controls framework

To be successful as a " Credit Risk Officer – Financial Institutions and Emerging Markets", you should have experience with:

Key Accountabilities

•  Preparation of annual credit review packs and Industry reviews

• Supporting credit officers in day-to-day risk management activities.

• Managing day-to-day credit limit requests to manage transactions and where appropriate propose limit recommendations to more senior discretion holders.

• Day to day management and monitoring of risk limits, reporting of any positions outside approved parameters and understanding how risk profile alters in stress test scenarios.

• Maintaining accurate and up to date information in the Banks’ Risk systems

Essential Skills/Basic Qualifications:

•  Relevant experience of credit analysis/research in another financial institution, preferably a major international bank. Knowledge of multiple regions / sectors / industries.

• Understanding of Investment Banking products

Desirable skills/Preferred Qualifications:

• Masters / Professional qualification such as MBA/ CA/ CFA or equivalent

• Awareness of legislation and regulatory requirements affecting the Bank and customers 

You may be assessed on the key critical skills relevant for success in role, such as experience with Credit risk management as well as job-specific skillsets.

This role will be based out of Mu

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.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• 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 develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

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.