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About the Role

Assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements. Analyze financial information, evaluate creditworthiness, and recommend credit terms and conditions to ensure responsible lending practices.

Responsibilities

• Analyze lending applications, financial statements, credit reports, and other relevant documents to assess borrower creditworthiness and repayment capacity.
• Monitor the performance of approved lending, identifying potential risks and early warning signs of delinquency.
• Evaluate the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
• Provide independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.
• Develop and implement appropriate course of action for troubled lending, including workout plans, restructuring, or collections.
• 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.
• 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 organization 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.
• Define problems and develop innovative solutions through in-depth analysis with interpretative thinking.
• 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.
• Assess and approve credit transactions in line with the bank’s risk appetite, credit policies and regulatory requirements.
• Provide independent credit decisions, oversee portfolio risks and support responsible lending practices across the business.

Requirements

• Current or previous experience in a credit risk management role and exercising credit approval authority or making credit decisions.
• Strong knowledge of the Japanese political and economic environment and its impact on the Japanese financial sector.
• Understanding of investment banking products, including loans, securities financing transactions, and derivatives.
• Ability to analyse and interpret financial statements.
• Ability to perform quantitative and statistical analysis to assess and quantify risks.
• Ability to review and negotiate legal documentation, including ISDA, CSA, JSDA, and other related agreements.
• Ability to utilise multiple data and information sources to analyse complex issues, exercise sound judgement, and present practical solutions while balancing risk management requirements with the firm's overall business objectives.
• Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for.
• If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application.
• Sponsored visas are role and entity specific, and any changes must be reviewed.
• It is important that you ensure you are working on the correct visa at all times.
• Failure to accurately disclose your visa status or Legal Right to Work may result in your application or any employment offer being withdrawn at any time.

Skills

• Strong verbal and written communication skills in English
• Native-level proficiency in Japanese
• Strong team player
• Ability to perform effectively under pressure
• Ability to manage urgent transactions within tight deadlines
• Strong numerical and analytical skills
• Mathematics
• Finance
• Programming
• Risk and controls
• Change and transformation
• Business acumen
• Strategic thinking

Location

• Tokyo

Work Type

• Full-time

Experience Level

• Vice President

About the Company

• Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people.
• Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful.
• They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.

Equal Opportunity

• 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.