Join us as a Credit Specialist, where you will partner Private Bankers in delivering end-to-end credit solutions to High Net Worth and Ultra High Net Worth clients based in International and Domestic markets. This includes driving new balance growth and retaining existing balances, all within the Risk appetite of the Bank and the Regulatory environment in which we operate.  

You will be expected to manage and grow Credit balances across our business, while managing Credit facilities through their lifecycle, including annual reviews, amendments, and renewals. As part of your role you will lead deal teams and have responsibility for engaging key stakeholders (Risk, Legal, Tax etc) to ensure the seamless delivery of the deal. You will be expected to be a Subject Matter Expert across a range of products, including regulated mortgages, commercial real estate, and financial asset leveraging. With your deep understanding of credit risk, you will also help drive improvements within the team and contribute to the broader strategy of offering comprehensive credit services. In this senior role, you will take on a leadership position, shaping how we interact with clients and bankers while providing support across the full credit lifecycle.

To be successful as a Credit Specialist, you should have:

Significant experience as a lender across various asset classes, including regulated mortgages (CEMAP), large value real estate, and asset finance, ideally within a Private Bank.Experience in a front-line role with a demonstrated ability to deliver world class service to a demanding client base.Excellent leadership skills, with the ability to lead a deal team, negotiate effectively internally and externally, and balance bank risks while meeting client needs.Ability to undertake detailed financial statement analysis, whether on an individual, SPV or operating company.Expertise in structuring margin lending and mortgages to HNW and UHNW clients.Proven track record and experience in the sales, service and day to day management of credit products, along with developed credit skills.

Other highly valued skills include:

Exceptional interpersonal and communication skills, enabling you to build trust with HNW clients and internal stakeholders while delivering customized solutions.Creative problem-solving skills, offering innovative credit solutions that address complex client needs while effectively managing risks.Attention to detail and a focus on accuracy, overseeing the entire credit lifecycle, including annual reviews, amendments, and renewals.A broad knowledge of domestic and international financial marketplaces. The candidate will have a sound understanding of the credit market and credit risk, and will be able to discuss their experience through the interview process.

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills.

This role is based in London.

Purpose of the role

To develop and manage the success of specific financial products and services, providing in-depth expertise on a particular product line, bridging the gap between product development, marketing, sales, and customer service. 

Accountabilities

Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, financial returns limitations, risks and compliance.Understanding of market trends, new features, regulatory requirements and potential risks, and analysis of data obtained from sales figures and, customer feedback, to support the product origination and development process, and communicate key findings to relevant stakeholders to improve product offerings.Response to customer inquiries, attending client meetings and obtaining a detailed understanding of complex personal / corporate financial circumstances to originate Credit resolution of issues, and provision of guidance on product usage.  .Presentation of the advantages and features of the product to potential customers, building trust and encouraging adoption.Participation in training sessions and workshops to share product knowledge and expertise with colleagues and other stakeholders.Participation in events, conferences, and other internal networking opportunities to showcase the product and generate interest.

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.