Barclays – Credit Analyst

About the job
Job Title: – Credit Manager

Location: Noida

About Barclays

Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by our service company which provides technology, operations and functional services across the Group.

Risk and Control Objective

Take ownership for managing risk and strengthening controls in relation to the work you do

Working Flexibly

We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports ways to balance your personal needs, alongside the professional needs of our business. Providing the opportunity for all our employees, globally to work flexibly empowers each of us to work in a way that suits our lives as well as enabling us to better service our customers’ and clients’ needs. Whether you have family commitments or you’re a carer, or whether you need study time or wish to pursue personal interests, our approach to working flexibly is designed to help you balance your life.

If you would like some flexibility, then please discuss this with the hiring manager. and your request will be reviewed subject to business needs.

Hybrid Working

Structured Hybrid Role

At Barclays, we offer a hybrid working experience that blends the positives of working alongside colleagues at our onsite locations, together with working from home. We have a structured approach where colleagues work at an onsite location on fixed, ‘anchor’, days of the week, for a minimum of two days a week or more, as set by the business area (or nearest equivalent if working part-time hours). Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that as we continue to embed our hybrid working environment, we remain in a test and learn phase, which means that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business.

Introduction

The purpose of the Wholesale Credit Risk – Credit Analysis team is to contribute towards building sound quality asset portfolio and a strong risk culture while ensuring that the credit review and recommendation process remains responsive to the customer needs
Assess 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
The role works in close collaboration with colleagues within Wholesale Credit Risk sanctioning and Business teams. Ensure credit proposals are complete in terms of information and relevance so as to enable Credit Sanctioning teams to make timely and informed decisions
Proactively manage the risk of the designated portfolio by periodic review, monitoring trends in key credit aspects and take immediate corrective action on breaches or downturn in quality by taking up with client/Coverage/Risk Sanctioning teams
Ensure ongoing adherence to risk policies ad guidelines
They will also need to drive a culture of continuous improvement and maintain an effective working relationship with stakeholders across functions and locations.

What will you be doing?

Provide best-in-class analysis (70%)

Transform high-level requests into focussed and specific analysis by deep dive analysis
Structure lending proposals based on observations/ knowledge of client and industry risks
Prepare well- reasoned & succinct credit proposals highlighting key risks and mitigants to enable decision making

Improve Internal Processes (10%)

Identify new opportunities for enhancing/ streamlining the process services
Formulate opportunities into proposals, share with the manager and help implement, where applicable

Team Player Activities (10%)

Work effectively with peers and management team to achieve shared business objectives
Contribute to the wider colleague agenda of the BI and Wholesale Credit Risk functions in India, as required

Stakeholder Management and Leadership (10%)

The key stakeholders of this role will be

Relationship Directors & Relationship Support Managers
Risk Sanctioners
Wholesale Lending & other Operations teams
Monitoring & Control, ARPT and Data Quality teams
Control teams

What We’re Looking For

CA or MBA (CFA/FRM added advantage)
Prior experience in corporate credit analysis in a bank or related industry
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 Lending products, Opportunity Assessment and Deal Structuring
Familiarity with Microsoft Excel, Word and PowerPoint
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

Skills That Will Help You In The Role

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).

Where will you be working?

Noida

Be More at Barclays

At Barclays, each day is about being more – as a professional, and as a person. ‘Be More @ Barclays’ represents our core promise to all current and future employees. It’s the characteristic that we want to be associated with as an employer, and at the heart of every employee experience. We empower our colleagues to Be More Globally Connected, working on international projects that improve the way millions of customers handle their finances. Be More Inspired by working alongside the most talented people in the industry, and delivering imaginative new solutions that are redefining the future of finance. Be More Impactful by having the opportunity to work on cutting-edge projects, and Be More Valued for who you are.

Interested and want to know more about Barclays? Visit home.barclays/who-we-are/ for more details.

Purpose, Values and Mindset

We deploy finance responsibly to support people and businesses, acting with empathy and integrity, championing innovation and sustainability, for the common good and the long term.

Our values underpin everything we do: Respect, Integrity, Service, Excellence and Stewardship.

Respect

We harness the power of diversity and inclusion in our business, trust those we work with, and value everyone’s contribution.

Integrity

We operate with honesty, transparency and fairness in all we do.

Service

We act with empathy and humility, putting the people and businesses we serve at the centre of what we do.

Excellence

We champion innovation, and use our energy, expertise and resources to make a positive difference.

Stewardship

We prize sustainability, and are passionate about leaving things better than we found them.

Our Mindset shapes how we take action, living by our Values, driven by our Purpose, always with our customers and clients at the heart of what we do; our Mindset is to Empower, Challenge and Drive.

Empower

Trust and support each other to deliver. Make decisions with those closest to the topic. Include diverse perspectives. Celebrate success and learn from failure.

Challenge

Question whether things can be done better. Use insights based on data to inform decisions. Be curious about how we can adapt and improve. Speak up and be open to alternative viewpoints.

Drive

Focus on outcomes. Deliver with pace. Be passionate and ambitious about what we do. Take personal responsibility. Actively build collaborative relationships to get things done.

https://www.linkedin.com/jobs/view/3694973161

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