Lending Quality and Control Manager - Barclays - Saint Helier

Lending Quality and Control Manager

The Credit Quality & Control Team
is responsible for oversight of the lending exposures in offshore, primarily Intermediaries and business banking teams seeking to ensure that relationship managers perform their responsibilities in line with agreed policies and procedures and that deteriorating positions are identified and remedial action taken. Whilst the role is Jersey based, the remit will be across the Offshore function’s jurisdictions.

About us:

Barclays Private Clients International Ltd (BPCI) is registered in the Isle of Man and is branded externally as Barclays Wealth in Jersey, Guernsey and the Isle of Man. With around 750 staff based across the three islands, the majority in the Isle of Man, BPCI has been a major contributor to the revenues and profits of the Barclays Wealth & Investment Management Division but now sits in Offshore within the Personal banking function of Personal & Corporate banking (PCB)

The Offshore business incorporates the customer facing teams in, Jersey, Guernsey, Isle of Man, London; Gibraltar and Cyprus. These teams manage Barclays’ relationships with Offshore & Domestic Corporate clients, Retail clients in the local markets, trust, fiduciary, captive insurance, funds and Intermediary clients, and Family Office businesses.

Offshore also provides offshore booking capabilities as part of the PCB UK ecosystem strategy which seeks to grow our overall market share by offering seamless services to expatriates and inpatriates as well as International citizens linked with UK. Offshore specifically supports those clients booked into the Offshore centres of Guernsey, Isle of Man, London and Jersey.

Where do we fit within Barclays?

The new Lending Control function has been formed to support lending origination, servicing, financial difficulties management and quality assurance for clients either operating within the Offshore function or whose lending is booking to an Offshore platform. Given the need for Barclays to be able to demonstrate clearly that clients booked offshore are serviced outside UK, BPCI operates to provide a clear legal entity control framework that includes oversight and decision-making activities. The business currently sits in Wealth, Entrepreneurs and Business Banking but will in due course operate as part of the Non ring fenced bank under structural reform proposals.

As a Lending Quality & Control Manager, your main responsibilities will involve:

• Ensuring ongoing quality of the lending book is improved by continually reviewing existing ‘good book’ loans, identifying potential problem cases which can be managed via a “watch-list” process and supporting the structure of new significant debt transactions

• Undertaking agreed sampling and oversight actions (sampling protocols) relating to the responsibilities of relationship staff to manage their lending cases and to feedback omissions

• Reviewing large exposure cases to ensure that conditions of sanction are being met and that the business can evidence effective oversight of these cases

• Coaching, training and awareness sessions with relationship staff to improve awareness and effectiveness of policy and procedures related to lending

• Becoming involved in various change initiatives as part of offshore desire to increase lending in a sustainable way with effective first line of defence capability embedded

As a Lending Quality & Control Manager, your skills and qualifications will include:

• Skills and experience in managing credit risk, preferably with experience in managing clients in difficult financial situations

• The ability to analyse risk and present clear recommendations or decisions, both internally and to clients and their advisors

• The ability to understand and interpret a client’s business risk is a preferred requirement.

• A proven track record in managing clients in the Wealth and Offshore Corporate environments would be an advantage

• Experience of working in projects and/or a change environment will be preferable

• A relevant professional qualification would be an advantage e.g. ACIB/Financial Studies Diploma. The role holder may be required to undertake relevant qualifications if not already held as part of a training & accreditation framework

• The ability to deliver quality results with a challenging, positive, influential style

• A sound commercial approach should be a priority with a focus on the management of credit in a corporate environment

• Management and/or team leadership experience would be an advantage given the need to influence a number of stakeholders and the potential to manage clerical support in the future. Currently, there are no managerial responsibilities associated with the role. However, it is feasible that the role-holder may acquire individuals or a team of clerical support in due course.

The Benefits:

Our customers deserve the best. The same goes for our people. That’s why at Barclays you’ll receive a range of benefits including a competitive salary, flexible hours and all the tools, technology and support to help you become the very best you can be.

Our Values:

Everything we do is shaped by the five values of Respect, Integrity, Service, Excellence and Stewardship. That means trusting our colleagues to live our culture, and knowing they’ll trust us in turn to listen to their ideas, recognise their contributions and make banking simpler for everyone.

Diversity:

At Barclays, we recruit based on merit and are committed to promoting diversity throughout our organisation.

On the move?
Download our jobs app ‘Barclays Jobs’

We encourage applicants to apply as early as possible in the recruitment period. Barclays recruitment periods can and may vary. We reserve the right to remove this advert during the recruitment process.

Ready to apply?

There are three stages to our application process:

1. Application: On your application we’ll ask for information like your contact details, education and work experience. You’ll also be required to upload a CV, so it’s a good idea to have it ready.

2. CV Review: If you meet the criteria for the role you’ve applied for, a member of our team will be in touch to conduct a short telephone interview to explore your application in greater detail.

3. Assessment: If your application is successful at this stage, we’ll ask you to complete an online Situational Judgment Test to explore your alignment to the Barclays Values and Competencies. Your recruiter will be able to provide further information about the test.

*LI-AM2