Join us as a VP - Structured Lending & Financing at Barclays, where candidate will be responsible for a portfolio consisting of US Commercial Real Estate transactions. The role involves managing exposures and limits with acceptable risk parameters within delegated authority, completion of credit applications, assessment of new transaction requests from the Front Office and ongoing monitoring of exposures.
To be a successful VP - Structured Lending & Financing a person should have Knowledge of applicable rating agency methodologies is highly desired, including core assumptions and limitations. The role comprises initial transaction analysis, review and sanction, in addition to post-sanction monitoring, annual review and excess/exceptions management.
You may be assessed on the key critical skills relevant for success in role, such as Provide professional advice to front office with regards to risk appetite set for individual clients. Interact with the business and legal departments on documentation to support appropriate credit facilities and communicate with sales and clients as required. Provide regular feedback to senior sanctioners and portfolio owners for reviewing credit policies, guidelines and procedures to strengthen control.
Basic/ Essential Qualifications
- Act as credit officer for corporate credit exposures across US Commercial Real Estate for investment grade and non-investment grade clients.
- Prepare and analyse credit proposals for new and existing transactions.
- Judiciously apply delegated discretion to provide credit sanction and / or provide commercially mindful challenge to new business proposals and / or transaction amendments.
- Interface with Business / Deal Team and provide structuring advice on transactions, with a focus on RCF and derivative facilities.
- Conduct operational and financial due diligence of clients and participate in management and bank meetings.
- Provide support on portfolio analysis and initial and ongoing due diligence reviews of assigned transactions.
- Prepare and present sector/asset class reviews.
- Contribute towards policy and process improvement initiatives.
- Stay current on market developments, including origination and pricing levels, and in turn alert senior management.
- Expand industry and product knowledge
Desirable Skillsets/ Good To Have
- Masters / Professional qualification such as MBA/ CA/ CFA or equivalent
- Solid credit risk management background, including analysis and approval of transactions and managing a portfolio, preferably covering US Commercial Real Estate.
- Understanding of Investment Banking products, as well as associated legal documentation and relevant risk metrics.
This role will be based out of Mumbai.
Purpose of the role
To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector.
Accountabilities
- Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks.
- Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration.
- Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
- Documentation credit decisions and rationale in a clear and concise manner, adhering to internal audit and regulatory reporting standards.
- Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance.
Vice President Expectations
- To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures..
- If managing a team, they define jobs and responsibilities, planning for the department's future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements..
- 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 will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions..
- 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 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 the business strategies.
- Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.
- Adopt and include the outcomes of extensive research in problem solving processes.
- Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.
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.
