Credit Risk Analyst (Structured Lending & Financing)

Join us as a Credit Risk Analyst withing the Structured Lending & Financing (SL&F) team at Barclays. SL&F Risk has responsibility for several underlying asset classes, including Credit & Macro, Securitized Products, Equities which all form discrete risk verticals. The role advertised is Analyst position in the existing team based out of Mumbai and will cover SL&F CLO portfolio. Transaction analysis, post-sanction ongoing surveillance, annual review, and excess/exceptions management. Credit assessment of new Structured Financing opportunities across CLO portfolios focusing on US & EU BSL & MM CLO transactions. Prepare detailed credit reviews based on fundamentals and present findings to risk senior management. Assist in establishing appropriate risk management framework in line with Risk Policies and Standards. Quantify and monitor portfolio performance including structural risk mitigants, debt covenants, deleveraging triggers etc. Monitoring, reporting and annual review of Mandate & Scale Limits.

To be a successful Credit Risk Analyst - SL&F you should have experience with:

• Good analytical skills with attention to detail, and interpersonal, verbal, and written communication skills.
• Experience in credit analysis and familiarity with structured finance analysis and modelling techniques.
• Knowledge of Credit Risk, Securitisation, CLOs and awareness of prevailing market trends.
• Experience in credit risk management at a major investment bank/similar institution, or equivalent position is a plus.

Some other highly valued skills may include

• Demonstrate sound knowledge of credit asset class and fundamentals and have confidence to provide reasoned challenge to the Front Office.
• Experience in credit analysis and familiarity with securitisation analysis and modelling techniques.
• Advanced skills in Microsoft Office suite is preferred.

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

The Job Location of this role is Mumbai.

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.