Join us as Head of Credit Analysis within our Real Estate and Social Housing team. In this role, you will lead a team of credit analysts supporting the Real Estate and Social Housing Debt Finance teams in the origination, structuring, and execution of UK debt finance deals. You'll also support the Real Estate Coverage team in managing ongoing portfolio risk, while driving a culture of continuous improvement and strong stakeholder engagement. You'll be responsible for managing team workload, providing guidance to junior colleagues, embeddingsub sector risks into credit analysis, and supporting the Head of Asset Management in delivering key projects, forums, and process improvements across the Real Estate business. Person Specification Expertise in credit analysis and deal structuring Proven leadership skills including team management. Demonstrated through: Establishing and communicating a compelling strategic vision. Serving as a role model, fostering collaboration, and inspiring team members. Effectively allocating resources to address shifting priorities and support professional growth. Promoting the exchange of best practices, insights, and experience within the team. Skilled in managing relationships with stakeholders across various sectors and at senior management levels. Essential Skills/Basic Qualifications: Proven leadership experience, including managing and developing teams Excellent stakeholder management skills Analytical and numerical skills, with the ability to assess business, market, and sector performance Desirable Skills/Preferred Qualifications: Experience in the real estate or social housing sector Knowledge of lending processes and credit risk standards Awareness of corporate funding sources and macroeconomic influences on debt markets Familiarity with Barclays' credit risk policies and procedures. You may be assessed on the key critical skills relevant for success in this 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 or Birmingham Purpose of the role To manage debt relationships with high-value corporate clients, balancing the bank's risk appetite with the needs of their clients, ensuring that credit is extended responsibly and strategically. Accountabilities Management of client relations and proactively addressing their needs and concerns, exceeding expectations to maintain their loyalty. Monitoring and analysis of industry trends and the client's financial situation, utilising various resources such as financial statements and credit history reports, to assess the credit worthiness of potential customers, identify potential risks and implement measures to address concerns, and communicate key findings/recommendations to relevant stakeholders. Collaboration with account managers for recommendation and selling of relevant banking products and services. Negotiation of credit agreements that align with the client's financial needs and the bank's risk appetite. Negotiation of debt restructuring agreements in cases of financial distress including the exploration of options such as loan modifications, interest rate adjustments, or forbearance agreements to prevent default and maintain the relationship. Resolution of credit agreements issues, including the investigation of the matter, information gathering, and collaborating with relevant departments to resolve the issue to the client's satisfaction. Development and implementation of risk management strategies, including the identification of potential credit risks, assessment of impact scenarios, and recommendations of mitigation measures to reduce the bank's overall exposure. 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.