SME Credit Manager – 90041623
Posting Range:3 Aug 2015 – 4 Aug 2015
Purpose of the role:
A credit professional responsible for credit risk structuring of transactions and high-volume sanctioning covering multiple industry sectors. The role holder will have specific responsibilities for a large number of SME customers (typically with credit exposures of £100k and less, but could go up to a maximum of £2m).
Support the SME Credit team in providing credit input to Emerging Markets Centre (EMC), delivering a World-Class Credit service and contributing towards achievement of the teams risk and business objectives.
Ensuring the optimal quality of the credit portfolio by application of best practice in decision-making, to a maximum personal lending discretion (exact personal lending discretion to be advised based on personal lending experience/accreditation, but will be in the £100k – £2m range).
Where appropriate, apply agreed SME Scoring Model to assess credit applications/reach credit decision
Key responsibilities and approximate time split:
Credit Risk Management: c. 70-80%
Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the SME Credit Team
Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals.
Provide feeds into business and credit policy development, where appropriate.
Provide feeds into credit process development, where appropriate.
Assist with the implementation and ongoing delivery of business and credit policies and processes (this is particularly important as the SME proposition is being rolled out for the first time in Barclays Kenya)
Responsibility for personal adherence to governance, compliance and SME lending portfolio controls. Ensuring own conformance to policy and procedures within the SME Credit Team, including proactive management of agreed responsibilities for Data Integrity.
Maintain interactive relationship with Recoveries, Credit Risk Coaching & Support Team and Conformance Team.
Advise on risk reward, and challenge pricing where appropriate.
Business Risk Partnership: c. 20-30%
Deliver service in line with agreed business needs/Turnaround Times (TAT)/Service Level Agreement (SLA).
Work in partnership with all colleagues in the SME chain and proactively anticipate, respond to and seek to exceed the expectations of customers.
Work with Country colleagues, providing post application based coaching and discussion, where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers.
Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people.
Contribute towards the Team operating within cost budgets by making recommendations for ‘working smarter’.
Staff Management: c.10-20%
Support the BBK SME Credit Team Leader in delivering effective performance development for individuals within the team.
Drive proactive application of Barclays Guiding Principles both personally and throughout the team and coach and support colleagues within the Team.
Barclays Guiding Principles
Customer & Client Focus
Sound knowledge of credit risk mandatory procedures
Working knowledge of Group policies, pricing and strategies relative to the credit function
Good commercial awareness.
Standard commercial products: Working Capital; Trade; Term Lending; Cash Management; FX
Packaged Lending Products (secured & unsecured): Trade; FX; Cash Management
Working knowledge of BBK corporate structures and strategies.
Skills, Experience & Qualifications:
Strong intellect balanced by practical and pragmatic approach
Analytical and numerate
Build effective working relationships (with credit and sales colleagues)
Communications (written and oral) and presentations
Effective negotiation and influencing
Experience with SME Credit will be an added advantage
Prior experience/knowledge of SME scoring model(s) will be an added advantage
ACIB/equivalent business experience/other appropriate qualification preferable
Role holder must deliver consistent high quality risk solutions in a high volume environment
A passion for SMEs will be expected and will need to be demonstrated during the interview process.
A specific coaching and training plan will be developed in order to achieve accreditation for SME credit risk. Achievement of this “license” will be an integral measure of success in the role.
How to apply
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