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Retail Loan Credit Risk Reviewer

Wilmington, United States

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Date live: 08/17/2026

Business Area: Risk

Area of Expertise: Risk and Quantitative Analytics

Contract: Permanent

Reference Code: JR-0000128490

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Barclays Risk

In Risk Barclays develops, recommends, and implements controls and cost-effective approaches to minimise Barclay's risks, identifies and analyses potential sources of loss to minimise risk and estimate the potential financial consequences of an occurring loss.

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What will you be doing?

Barclays Services Corp.  seeks Retail Loan Credit Risk Reviewer in Wilmington, DE (multiple positions available):

  • Execute Retail Loan Review operating procedures and independently evaluate the effectiveness of credit policy, underwriting decisions and processes.

  • Monitor, evaluate, and request remediation of lending practices for first- and second-line risk teams.

  • Test adherence to delegated lending authority for US Consumer Bank.

  • Assist with creation of appropriate documentation and report/track remediation status of findings and issues.

  • Test lending decisions for quality of approval/decline outcomes and line assignment, and for adherence to Credit Policy requirements and criteria.

  • Identify opportunities through analytics that can be used in performance analysis and potential improvements to credit risk strategy and judgmental lending processes.

  • Support the team with responses to regulatory requests.

  • Prepare documentation and report findings to appropriate forums and committees.

  • Keep record and periodically follow-up on progress of findings raised by Loan Review in accordance with the Barclays Issue Management Standard.

  • Complete ad hoc projects and tasks assigned by Enterprise Risk Management.

  • Assess compliance with laws and regulations, internal credit policies, operating procedures and business rules.

  • May telecommute pursuant to company policies. [Hybrid role]

This position is eligible for incentives pursuant to Barclays Employee Referral Program.

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

Accountabilities

  • Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
  • Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
  • Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
  • Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.

Assistant Vice President Expectations

  • To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
  • Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
  • If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
  • OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
  • Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
  • Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
  • Take ownership for managing risk and strengthening controls in relation to the work done.
  • Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
  • Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
  • Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
  • Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
  • Influence or convince stakeholders to achieve outcomes.

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.

Barclays welcomes applications from all candidates and is committed to ensuring reasonable adjustments (accommodations) are put in place to allow for a fair and inclusive recruitment process. For more information and how to request one, please review Adjustments to the recruitment process.

We’re a global, vital and highly respected financial organisation with an inspiring Purpose. Operating in 39 countries and employing around 100,000 people across the world, we help communities, individuals and businesses thrive. And we’ve created financial solutions and technology that the world now takes for granted. A career with us can offer incredible variety, depth and breadth of experience, and the chance to learn from some of the best minds in technology and finance.

To find out more about Barclays' strategy please click here.

We are an equal opportunity employer and opposed to discrimination on any grounds. It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, colour, 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.

Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for. If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application. Sponsored visas are role and entity specific and any changes must be reviewed. It is important that you ensure you are working on the correct visa at all times. Failure to accurately disclose your visa status or Legal Right to Work may result in your application or any employment offer being withdrawn at any time.

This role may be subject to enhanced governance arrangements. If successful, you may be required to comply with additional regulatory and compliance obligations, such as disclosure of personal trading activities and external interest/affiliations.

Further information on these requirements will be provided at a later stage of the process.

This is Barclays Wilmington

Wilmington is the headquarters of Barclays US Consumer Bank. To support our growth ambitions, we’re investing in a world-class campus that nurtures our culture and provides a fresh, modern and welcoming space for our colleagues and partners alike.

A historic building on the thriving Riverfront that we’ve renovated, and we’re proud of our contribution to the community’s growth.

The wellness experience at our campus is about opportunities for social connection, nourishing food and drinks, and dynamic working.

We bring the workplace to life for colleagues through bespoke events, initiatives, activities and growth opportunities.

We support future ways of working with thoughtfully planned spaces for individual work, collaboration, socializing, and wellbeing.

This is Barclays Wilmington

Wilmington is the headquarters of Barclays US Consumer Bank. To support our growth ambitions, we’re investing in a world-class campus that nurtures our culture and provides a fresh, modern and welcoming space for our colleagues and partners alike.

Hometown pride

A historic building on the thriving Riverfront that we’ve renovated, and we’re proud of our contribution to the community’s growth.

Focused on wellness

The wellness experience at our campus is about opportunities for social connection, nourishing food and drinks, and dynamic working.

Curated experiences

We bring the workplace to life for colleagues through bespoke events, initiatives, activities and growth opportunities.

Reimagining the workplace

We support future ways of working with thoughtfully planned spaces for individual work, collaboration, socializing, and wellbeing.

Multicultural ERGs at Barclays

Be you. Be valued. Belong.

We celebrate the unique perspectives and experiences each individual brings, believing our differences make us stronger and drive success.

You can learn more about our commitment to our colleague on our Inclusion and Opportunities page.

Learn more

Application Process

Your application

We’ll ask for information about you, your CV and cover letter.

1

Your assessment

Covering your behaviours and ability at work.

2

Your interview

Exploring your past experiences and skills.

3

Next step

We’ll request additional information so that you can complete our screening process

4
How to ApplyRead our FAQ's
Barclays

Working flexibly

We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports your personal needs, alongside the professional needs of our business. If you'd like to explore flexible working arrangements, please discuss this with the hiring manager. Your request will be reviewed in-line with the requirements of the role/business needs of the team.

Hybrid working

We have a structured approach to hybrid working, where colleagues work at an onsite location on fixed, ‘anchor’, days, as set by the business area. Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business.

Barclays is built on an international scale.

Our geographic reach, our wide variety of functions, businesses, roles and locations reflect the rich diversity of our worldwide customer base. All of which means we offer incredible variety, depth and breadth of experience.
And the chance to learn from a globally diverse mix of colleagues, including some of the very best minds in banking, finance, technology and business. Throughout, we’ll encourage you to embrace mobility, exploring every part of our operations as you build your career.

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