Credit Risk Sanctioner (VP)

Job Description Purpose of the Role

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements, analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

• Accountabilities
• Analyse lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's 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 such as 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 courses of action for troubled lending, including workout plans, restructuring, or collections.
• Vice President Expectations

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 escalations of policy breaches.

If managing a team, define jobs and responsibilities, plan for the department’s future needs and operations, counsel employees on performance, and contribute to employee pay decisions.

May lead specialists to influence departmental operations while balancing short‑ and long‑term goals and ensuring budgets and schedules meet corporate requirements.

Demonstrate leadership behaviours that create an environment for colleagues to thrive and deliver consistently excellent results.

As an individual contributor, serve as a subject‑matter expert within your discipline, guide technical direction, lead collaborative, multi‑year assignments, train and coach less experienced specialists, and provide information impacting long‑term profits, organisational risks, and strategic decisions.

Advise key stakeholders, manage and mitigate risks, strengthen controls, collaborate across functions, create solutions through analytical thought, and build trusting relationships to achieve outcomes.

All colleagues will demonstrate Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as the Barclays Mindset of Empower, Challenge, and Drive.

Responsibilities

• Analyse lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.
• Monitor the performance of the Swiss credit portfolio, identifying potential risks and early warning signs of credit default.
• Evaluate the risk profile of each application considering factors such as 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 courses of action for troubled lending, including workout plans, restructuring, or collections.
• Collaborate with key stakeholders within the business, including Credit Structuring, Front Office, Legal, and Operations.
• Contribute to continuous improvement initiatives and change programmes within the Credit Risk function.

Qualifications

• Experience with credit risk management and sanctioning, with a proven track record of applying sound risk judgment in a private banking environment.
• Strong understanding of banking products, client behaviours, and market dynamics within the Swiss Private Banking environment.
• Stakeholder management and leadership, with the ability to influence senior partners, build trusted relationships, and drive effective outcomes.
• Preferred Skills
• Knowledge and experience within the mortgage lending business in Switzerland, the UK, and France (including Monaco).
• International experience across multiple countries and regulatory jurisdictions.
• Proficiency in English and French; any other language is a plus.
• Assessment of key critical skills such as risk and controls, change and transformation, business acumen, strategic thinking, and digital and technology.
• Job‑specific technical skills.
• Location
• Geneva
• Company Culture

Employees are self‑disciplined, hardworking, curious, trustworthy, humble, and truthful.

They make choices that benefit the team, collaborate, and seize opportunities to make a difference, contributing to our reputation as a top workplace in the area.

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