Credit Analyst

Job description

Barclays moves, lends, invests and protects money for customers and clients worldwide. Please visit our website here for more information.

With 300 years of proven leadership in financial services, we clearly offer stability and deep expertise to our millions of customers around the world. We've always been known for enabling those who want to achieve more. Barclays Capital, Barclays Wealth, Barclays Commercial, Barclaycard and ABSA bring world-class solutions to our millions of customers.

Overall purpose of role:
Accurately review new applications to identify potential credit/fraud risk and make judgmental lending decisions to approve applications while minimizing credit and fraud losses. Provide quality service to all customers (both internal and external).
.
Key Accountabilities and Skills required:
· Responsible for judgmentally decision new credit card applications using Barclay's lending philosophy.
· Analysts are required to assess credit/fraud risk on each application they decision.
· Makes outbound calls as necessary to develop additional information to facilitate final disposition of applications.
· Process inbound calls from customers and/or other Barclay's associates.
· Consistently meet performance standards set by the department.
· Contribute ideas and recommendations for process improvements to the department or company.
· Work on management approved projects that will improve efficiency.
· Identify trends/issues on a daily basis and bring to the attention of the management staff.
· Contribute to new hire and reoccurring education.
· Assist with user system testing and other special projects as assigned

Stakeholder management and leadership
The Credit Analyst will interact on a regular basis with the following areas: The Henderson Credit Operations Team Lead, Credit Team Managers, and Credit Facilitators.

Decision making and problem solving
Determine applicants' credit worthiness


Your Skills and Qualifications will include:
Basic Qualifications
· High school diploma or GED
· 1+ year experience in a customer service environment

Preferred Qualifications
· College level education preferred
· Prior Judgmental Lending experience preferred.
· Knowledge of TSYS preferred.
· Knowledge of Microsoft Office applications preferred
· Excellent oral communications skills (grammar, positive tone, active listening, etiquette, empathy, confidence)
· Excellent written skills (spelling, logical thought processes and sentence construction, appropriate word choice)
· Extremely customer-focused; positive, professional attitude
· Intelligent, self-motivated, quick learner and detail oriented.
· Strong PC and internet skills.
· Very good organization and work prioritization skills.

Risk and Control Objective: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards.

The Benefits: Our customers deserve the best. The same goes for our employees. That's why at Barclays you'll receive a range of benefits that include a competitive salary and all the tools, technology and support you need to succeed.

Our Culture: Everything we do is shaped by the five values of Respect, Integrity, Service, Excellence and Stewardship. The values inform the foundations of our relationships with customers and clients, but they also shape how we measure and reward the performance of our employees. Simply put, success is not just about what you achieve, but about how you achieve it.

Dynamic working gives everyone at Barclays the opportunity to integrate professional and personal lives, if you have a need for flexibility then please discuss this with the hiring manager.
Barclays is an equal opportunity employer and are opposed to discrimination on any grounds. For more detailed information, please visit our dedicated Diversity and Inclusion site here .

EEO statement
It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, creed, religion, national origin, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information, or any other basis protected by law.*