Credit Risk Officer

Join us as a Credit Risk Officer!

Step into a role where your insight drives smarter, safer lending decisions. As part of Barclays’ Credit Risk Sanctioning team, you’ll play a pivotal role in shaping the quality of credit decisions across our Private Bank. This position offers the rare blend of hands‑on transaction sanctioning and involvement in strategic transformation programmes. It’s an ideal opportunity for a motivated professional who wants to broaden their impact, influence change, and help strengthen Barclays’ risk framework while developing as a trusted advisor to the business.

To be successful as a Credit Risk Officer, you should have experience with:

• Credit sanctioning within Private Banking or a similar lending environment.
• Experience with high value mortgages and Lombard lending.
• Understanding how 1st and 2nd line risk functions operate and what is expected of each.
• Clear, confident communication skills to support both transactional work and future strategic change initiatives.

Some other highly valued skills may include:

• Managing stakeholders effectively, including handling challenge and pushback.
• A self‑starter mindset with the ability to work independently.
• Strong attention to detail and the ability to identify gaps in processes or controls.

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:

Glasgow

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.

• 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.

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.