Credit Risk Portfolio Analyst

Job Description

Purpose of the role

To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.

Accountabilities

• Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions.
• Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
• Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
• Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
• Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters.

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.

Join us as a Credit Risk Portfolio Analyst!  The purpose of the BUK Risk Strategy team is to drive value through appropriate Risk Management of relevant credit risk analytics and strategies for the portfolios allocated. This role will involve producing necessary MI and deep-dive analysis to arrive at appropriate conclusions. This will be required to present these conclusions at appropriate forums. You will also need to drive a culture of continuous improvement and maintain an effective working relationship with stakeholders across functions and locations.

To be successful as a Credit Risk Portfolio Analyst you should have experience in:

• A degree in an analytical/business related discipline

• Ability to generate insights from data, assess the commercial / financial impact and recommend action

• Experience analysing programmes through the lens of risk management

• Understanding of statistical methods to enable appropriate interpretation of results

• Comprehensive knowledge and effective use of analytical tools including SQL and SAS.

• Proficient in Microsoft Excel, Word and PowerPoint

• Familiarity with risk reporting and risk management models.

• 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

Some other highly valued skills include:

• Post-graduate degree

• Extensive experience analysing programmes through the lens of P&L and customer metrics.

• Familiarity with segmentation tools and strategies.

• Industry knowledge (ideally experience with major international financial services firm)

• Effective stakeholder management skills

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.

Location: Manchester