Job Description 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. 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.