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High Automation Risk

This role has an above-average probability of significant AI or automation disruption. Consider upskilling and monitoring AI tooling in this sector.

Credit Analyst

Full TimePermanentNot specifiedFinance
Posted 15 March 2026Closes 3 April 2026

Job Description

Join us at Barclays as a Credit Analyst. In this role you will be responsible for reviewing credit submissions, the production/issuance of Credit Documentation to the Relationship Managers/Private Banker/Solicitors for completion and then the “Fit to Lend” checks required before fulfilling the credit agreement. Some essential skills you will need to be successful as a Credit Analyst are: Fluency in English and first class written and verbal communication skills are a requirement of the position. The role holder should have a strong financial background preferably within Credit. They should have the ability to use Word for documentation production and a good working knowledge of Excel for spreadsheet work. The role holder will have a minimum of five GCSEs (including English and Mathematics). Some other highly valued skills are: A strong level of computer literacy and have proficient keyboard skills as these are both essential skills for this role. Some experience of coaching and training others would be advantageous as the role is to act as a support and coach to more junior members of the team. Continuous improvement and change skills would also be desired. Legal skills would be advantageous given the significant level of work with documentation. 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. To apply - https://barclays.wd3.myworkdayjobs.com/External_Career_Site_Barclays/job/Isle-of-Man-Eagle-Court/Credit-Analyst_JR-0000094688-1

Automation Risk

Automation probabilityi55%
AI exposure (AIOE)i72%

A significant portion of the Credit Analyst role involves routine or semi-structured tasks, such as document production and data analysis, which are increasingly automatable with AI and workflow tools. However, tasks requiring nuanced judgment, stakeholder communication, and coaching retain a strong human element, moderating the overall automation risk. The role is highly exposed to GenAI augmentation, especially in report writing, data interpretation, and compliance monitoring.

Task analysis

  • Review and analyze credit submissions and financial statements to assess creditworthiness.
  • Produce and issue credit documentation to Relationship Managers, Private Bankers, and Solicitors.
  • Conduct 'Fit to Lend' checks before fulfilling credit agreements.
  • Prepare detailed credit reports and risk assessments for decision-making.
  • Coach and support junior team members in credit analysis procedures.
  • Ensure compliance with internal controls, legal requirements, and regulatory standards in all credit processes.
  • Continuously identify and implement process improvements in credit analysis workflows.
  • Communicate credit decisions and rationale clearly to stakeholders.

Automatable AI-assisted Human-only

Occupational Classification

🇬🇧 UK Skilled Worker Visa Eligible
UK SOC2020: 2413Chartered and certified accountants
O*NET: 13-2041.00 Credit Analysts
AI analysis: 16 March 2026

UK Salary Benchmark

Financial service activities, except insurance and pension funding · ONS ASHE 2024 annual earnings

scale £90k
UK sector median
£58,597
UK sector mean
£86,468
£0£23k£45k£68k

👤 For Candidates

AI & future-of-work guidance

🤖 Enhance with AI

  • Leverage Copilot for Excel to automate financial analysis tasks
  • Use AI tools for faster, clearer credit report drafting
  • Apply GenAI for compliance checks and regulatory updates

📈 Disruption outlook

15%1 yr
40%5 yrs
70%10 yrs

% risk of significant disruption

🎓 Learn now

📚 For full-time, part-time & evening courses on the Isle of Man, visit University College Isle of Man (UCM)

🏢 For Employers

Strategic hiring options & technology alternatives

🔄 Alternatives

🤖 AI AgentMicrosoft Copilot for Excel

Automates financial statement analysis and risk scoring

💻 TechnologyPower Automate

Streamlines document production and compliance workflows

🌍 OutsourcingSpecialist Credit Bureaus

Provides external creditworthiness assessments for routine cases

Recommendation

🔀 Hybrid approach

AI augments routine tasks but human judgement remains essential for complex cases

Microsoft Copilot & M365

Copilot for Excel

Automate data analysis and financial modelling

Power Automate

Streamline credit documentation and approval workflows

Copilot for Word

Draft and refine credit reports efficiently

Key Skills

English LanguageExpertFinancial ReportingAdvancedMicrosoft ExcelIntermediateMicrosoft OfficeIntermediateAttention to DetailAdvancedCritical ThinkingAdvancedRisk ManagementAdvancedReport WritingIntermediateAdministration and ManagementIntermediateTraining and DevelopmentBeginnerRegulatory ComplianceIntermediateCredit AssessmentAdvanced

Knowledge Areas

Economics and AccountingFinancial Analysis and ReportingRegulatory ComplianceLaw and GovernmentData Analysis and ReportingBusiness AdministrationReporting and DocumentationTeam Leadership and Collaboration

O*NET Competency Skills

Critical ThinkingActive LearningReading ComprehensionSpeakingActive ListeningMathematicsJudgment and Decision MakingWritingComplex Problem SolvingMonitoringService OrientationSocial PerceptivenessTime Management

Alternative Career Paths

Senior Credit Analyst90% match

Take on more complex credit portfolios and lead credit risk projects.

Risk Manager80% match

Oversee organizational risk frameworks and implement risk mitigation strategies.

Relationship Manager75% match

Manage client relationships and advise on credit and financial products.

Compliance Officer70% match

Monitor and enforce regulatory compliance within financial operations.

Financial Analyst65% match

Analyze broader financial data to support investment or strategic decisions.

Also Consider

🔥 Hot Technologies

In-demand tools for this occupation (O*NET)

SAP softwareMicrosoft PowerPointMicrosoft Visual BasicMicrosoft Visual Basic for Applications VBA

Work Activities

General work activities from O*NET

  • Analyzing Data or Information
  • Getting Information
  • Working with Computers
  • Processing Information
  • Communicating with Supervisors, Peers, or Subordinates
  • Making Decisions and Solving Problems
  • Updating and Using Relevant Knowledge
  • Interpreting the Meaning of Information for Others
  • Establishing and Maintaining Interpersonal Relationships
  • Evaluating Information to Determine Compliance with Standards
  • Organizing, Planning, and Prioritizing Work
  • Identifying Objects, Actions, and Events
  • Documenting/Recording Information
  • Training and Teaching Others

Anthropic Economic Index

Real-world AI adoption data from millions of Claude conversations · Dataset ↗

CC-BY Research

Observed Claude Usage

17%

of conversations

Classic Auto. Risk

98%

Frey & Osborne

Job Zone

4/5

Considerable prep

O*NET Median Salary

£57k

US ref. $72k · fx 0.79

Occupational family: Business and Financial Operations

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