Credit Intermediate Analyst, Officer

Citi; Philippines; Hybrid; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Hybrid work model

Training and development

Wellbeing support

Parental leave

Job summary

Citi Philippines is seeking a Credit Intermediate Analyst to support end-to-end underwriting and portfolio monitoring for commercial and institutional clients. You will work with Credit Officers, Relationship Managers, and Risk partners to deliver high-quality credit analysis that informs lending decisions across Corporate Banking, Services, and Markets.

You will prepare underwriting materials, review financial statements, and monitor risk indicators, while collaborating with global teams to

Qualifications

• 2-5 years of experience in banking, finance, accounting, or related financial services field.
• Bachelor’s degree in Finance, Accounting, Economics, Business, or closely related discipline.
• Working knowledge of financial statements and core accounting concepts applied to credit analysis.
• Clear and professional written and verbal English communication across global teams.
• Demonstrated ability to manage multiple tasks independently with strong attention to detail.

Responsibilities

• Prepare credit analysis and underwriting materials for new and existing clients across commercial and institutional portfolios.
• Review financial statements and cash flows to support underwriting recommendations and credit documentation.
• Monitor portfolio performance, covenant tracking, and periodic financial reviews to identify risk indicators.
• Assist in preparing quarterly and annual credit reviews with accurate reporting.
• Support credit renewals and amendments by coordinating documentation across teams.
• Collaborate with global stakeholders to support credit processes and cross-functional workflows.
• Build knowledge of credit products, structures, and industry dynamics through training and on-the-job development.

Skills

Financial Analysis

English Proficiency

Attention to Detail

Multitasking

Credit Underwriting

Education

Bachelor's degree in Finance, Accounting, Economics, Business, or related

Job description

Whether you’re building on early career experience or taking your next step in financial services, this is your opportunity to grow with one of the world’s most global banks. As a Credit Intermediate Analyst, Officer at Citi, you will support end-to-end credit underwriting and portfolio monitoring across commercial and institutional banking relationships — working alongside Credit Officers, Relationship Managers, and Risk partners to deliver high-quality credit analysis that directly shapes lending decisions across Corporate Banking, Services, and Markets.

Responsibilities

• Prepare credit analysis and underwriting materials for new and existing clients, contributing to first-line credit assessments across commercial and institutional portfolios.
• Conduct financial statement and cash flow reviews to support underwriting recommendations and credit approval documentation.
• Monitor assigned portfolio performance, including covenant tracking and periodic financial reviews, to identify and elevate emerging risk indicators.
• Assist in preparing quarterly and annual credit reviews, ensuring accuracy and timeliness in all documentation and reporting.
• Support the processing of credit renewals, amendments, and related transactions by coordinating documentation across internal teams.
• Collaborate with global stakeholders across Credit, Banking, and Risk to support the execution of credit processes and cross‑functional workflows.
• Build knowledge of commercial banking products, credit structures, and industry dynamics through active participation in training and on‑the‑job development.

Required Qualifications & Skills

• 2-5 years of experience in banking, finance, accounting, or a related financial services field.
• Bachelor’s degree in Finance, Accounting, Economics, Business, or a closely related discipline.
• Working knowledge of financial statements and core accounting concepts, with the ability to apply this to credit analysis tasks.
• Clear and professional written and verbal communication skills in English, including the ability to convey complex or sensitive information across global teams.
• Demonstrated ability to manage multiple tasks independently, apply sound judgment, and maintain strong attention to detail in analysis and reporting.

Beneficial Skills & Qualifications

• Prior internship or work experience in credit analysis, commercial banking, or a related lending environment.
• Exposure to international banking, shared service centres, or cross‑border financial services environments.
• Familiarity with credit monitoring processes, covenant tracking, or portfolio review cycles.

What We Offer

At Citi, we invest in our people from day one. Joining this team means gaining access to meaningful development opportunities, global collaboration, and a supportive environment designed to help you grow — professionally and personally.

• Hybrid working model — 3 days in the office and 2 days working remotely, giving you flexibility and balance.
• Extensive on‑the‑job training, exposure to senior leaders, and structured learning programs to accelerate your development in credit and commercial banking.
• Access to a broad range of learning and development resources to help you deepen your skills as your career progresses.
• Wellbeing support including telehealth options, health advocates, and confidential counselling services.
• Expanded Paid Parental Leave Policy, supporting all parents with time to adjust to parenthood and bond with their families.
• Tools and resources to manage your financial wellbeing and plan confidently for the future.
• Generous paid time off and programmes that support a healthy balance between work and life.
• Volunteering opportunities and resources to make a positive impact in your local community — Citi employee volunteers contributed more than 1 million hours globally in 2019.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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