AVP, Credit Analyst

  • Competitive
  • Hong Kong
  • Permanent, Full time
  • Barclays
  • 18 Jan 18 2018-01-18

AVP, Credit Analyst

Job Title Credit Analyst (AVP)
Location Hong Kong

This is a AVP role in the Credit Risk team who works with the business to independently quantify the appropriate level of risk for the client, for the firm and for our shareholders. We apply appropriate governance and control to ensure the right decisions are made using accurate calculation, assessment and recording of exposure and risk. We aim to have the best in class processes, models, systems and data integrity, thus attracting the best people and aim to be the employer of choice for Risk professionals.
Credit Risk is part of the wider Risk Function, which also encompasses Market Risk, Operational Risk, Risk Control and Risk Infrastructure

Your Role

  • Maintain the integrity of the portfolio through quality analysis of prospective exposure and proactive monitoring.
  • Engage in assessing business proposals, conducting due diligence, preparing credit analysis reports, identifying risks, presenting and recommending credit proposals to senior management/sanctioners.
  • Evaluate credit risk in transactions by taking a holistic view ensuring coverage of six Principal Risks and any material impact on achievement of Barclays objectives. The credit analysis should include sections such as industry/peer/sensitivity analysis providing detailed information about counterparty's credit quality.
  • Take individual ownership of transactions from initiation to credit sanction by interacting with relevant stakeholders and undertake complete diligence using exhaustive approach to assess credit metrics and debt servicing ability by continuously challenging assumptions in the projected business case ensuring judicious deployment of bank's capital.
  • Front credit-related discussions, both internally and externally (with customers, rating agencies etc).
  • Where sector difficulties or client specific difficulties are identified, alert senior management and provide recommendation for appropriate action to be taken to mitigate credit risks.
  • Provide administrative support to ensure data integrity in terms of credit limits, internal counterparty ratings and other credit parameters.
  • Timely and accurate reporting of North Asia Portfolio Risk for senior management purposes.

Essential Skills
  • Bachelor Degree in a relevant discipline with 3yrs+ experience in credit risk management.
  • Fully conversant in English and Chinese (Native Mandarin speaker preferred).
  • Basic understanding of investment banking products & respective legal documentation (including loans & derivative products) applicable to China and North Asian Corporates and FIs.
  • Experience in preparing concise and accurate credit analysis with recommendations and supporting rationale. This includes the ability to interpret company's financial performance by way of cash flow, balance sheet and P&L, coupled with strong financial analysis skills.

Desirable Skills
  • Team player
  • Solid commercial awareness and good negotiation skills.
  • Able to work under high pressure and handle urgent deals in a timely manner
  • Ability and confidence to suggest new ideas, ways to improve efficiency of workload, processes etc.

About Us

Barclays is a transatlantic consumer, corporate and investment bank offering products and services across personal, corporate and investment banking, credit cards and wealth management, with a strong presence in our two home markets of the UK and the US. Our goal is to become the bank of choice by providing superior services to customers and clients and supporting our stakeholders via a commercially successful business that generates long-term sustainable returns.

Risk and Control Objective

All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards.

Your Application

To be considered for this role, click on the apply button now.

Barclays Values & Diversity

Dynamic working gives everyone at Barclays the opportunity to integrate professional and personal lives, if you have a need for flexibility then please discuss this with the hiring manager. We are an equal opportunity employer and we are opposed to discrimination on any grounds. It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, colour, creed, religion, national origin, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information, or any other basis protected by law.