Job Description Purpose of the role To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. Accountabilities Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. Development and implementation of appropriate course of action for troubled lending, including workout plans, restructuring, or collections. 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. Join Barclays’ UK Corporate Credit Risk team in London, playing a key role in supporting the Bank’s strategic growth in Project Finance and Infrastructure sectors. The role is responsible for independent credit assessment, approval and ongoing monitoring of project finance transactions, ensuring risks are identified, mitigated and managed within appetite. You will engage proactively with Business (First Line of Defence) and lead credit processes for complex transactions, approve exposures within delegated authority, prepare recommendations for senior sanctioning, and contribute to portfolio oversight, strategic risk initiatives and projects. Some responsibilities you will have are: Analyse, recommend and approve project finance and infrastructure credit proposals, including assessment of business, financial, structural and collateral risks Review, challenge and interpret detailed project cash‑flow models, assumptions and stress scenarios Set, recommend and monitor internal ratings, LGD and other key credit parameters Solid understanding of the drivers, opportunities and challenges of the project finance markets and relevant regulatory environment affecting the project Lead credit processes for complex transactions and present cases to senior forums/approvers Define and monitor risk appetite at counterparty and portfolio level Familiarity with derivative transactions and related exposure in project finance Monitor portfolio performance, sector trends and early warning indicators, escalating material risks as appropriate Ensure strong governance, policy compliance and accurate risk reporting throughout the credit lifecycle Contribute to portfolio reviews and broader strategic initiatives within the Risk function In order to be successful in this role you should have experience with: Good experience in Project Finance / Infrastructure credit risk within an international banking environment Strong commercial and credit judgement, with the ability to independently assess and challenge complex transactions In‑depth understanding of project finance structures, documentation, intercreditor arrangements, security packages, derivatives and common risk mitigants Proven ability to analyse and challenge complex financial models (advanced Excel skills) including stress and downside scenarios Sound knowledge of regulatory requirements, credit governance and controls Broad appreciation of non‑financial risks, including reputational, financial crime, cyber and geopolitical risk Strong communication, presentation and stakeholder management skills, with confidence to challenge constructively and engage senior decision‑makers Timely and effective problem-solving and decision-making skills Relevant academic or professional qualifications 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: London