Pros
1) Open 24 hours so you can choose to work overnight, normal hours, or swing shift 2) You have the opportunity to earn significantly more through bonuses and overtime 3) Your duties are straightforward so no real surprises each day 4) Decent benefits/retirement 5) Decent pay for the work you do 6) They try to cultivate a cool vibe by doing stuff like doing community service and playing games during shifts.
Cons
1) A lot of emphasis on productivity. Your job is to look at applications and determine if a person is credit worthy and how much they should be lent. You also take phone calls from customers needing a credit limit increase or a reconsideration on their denied application. You have to process a certain number of apps/calls each hour and it can be a real grind keeping up with the standards. 2) The hours suck. You'll most likely have to work 4 days a week for 10 hours. The extra day off is cool but the 10 hour shifts suck. 3) There's little room for growth. If you stick around for a while you may get job as a quality review person whose job is to make sure analysts make good lending decisions. You may also get a manager title but there are few of those jobs available. 4) Short lunches/breaks. You get two 15 minute breaks and a 30 minute lunch. I'd rather have an hour lunch and no breaks but maybe that's just me. 5) It's a real grind. The number of apps/calls you have to work is no joke. It's a little better if you work night shift as there's less calls which usually take longer to work than apps. You most likely won't hit productivity standards your first few months there. Luckily you have a 3 month grace period to get things together.