Credit Risk Senior Analyst, Assistant Vice President

Citi; Taguig; Hybrid; PHP 900,000 - 1,300,000; Full time

Benefits offered by this job

Hybrid work arrangement (3 days in the

Learning & development resources

Wellbeing support with telehealth

Expanded Paid Parental Leave

Financial wellbeing programs and tools

Volunteering opportunities

Job summary

Citi in Taguig, Philippines, seeks a Senior Credit Analyst to deliver high-quality credit analysis and underwriting support for U.S. commercial clients. The role sits in the Commercial Lending Management team and anchors the first line of defense in Citi’s global credit function.

You will assess facilities, amendments, and annual reviews, conduct cash flow analyses, and prepare memos. Collaboration with Credit Officers, Relationship Managers, and Risk teams across Citi is essential for success.

Qualifications

• 5+ years in credit analysis or risk management in commercial lending.
• Bachelor's degree in Finance, Accounting, Economics, Business or related field.
• Strong ability to analyze financial statements and cash flows for credit decisions.
• Clear written and verbal English communication to present to senior stakeholders.
• Proficiency in Excel and presentation tools; familiarity with credit risk policies.

Responsibilities

• Assess end-to-end credit transactions, including new facilities and amendments.
• Prepare credit memos and documentation aligned with Citi standards.
• Monitor covenant compliance and portfolio risk; escalate early warnings.
• Ensure accurate risk ratings and credit classifications across portfolios.
• Coordinate with Credit Officers, Relationship Managers and Risk teams.
• Contribute to process improvements in the credit workflow.

Skills

Credit analysis

Underwriting

Portfolio management

Risk management

Excel

Communication skills

Credit risk policies

Education

Bachelor's degree in Finance/Accounting/Economics/Business

Tools

Microsoft Excel

PowerPoint

Job description

Whether you're building on an established career or looking for your next meaningful challenge, this is your opportunity to join one of the world's most globally connected banks and make a real impact. As a Senior Credit Analyst within Citi's Commercial Lending Management team, you will play a central role in delivering high-quality credit analysis and underwriting support for a dynamic portfolio of U.S. commercial clients — serving as a critical first line of defense in maintaining the integrity and performance of Citi's commercial credit function. Based in Citi Plaza, Taguig City, Philippines, this role offers the chance to work at the intersection of global credit risk and commercial banking, partnering closely with senior credit professionals across the United States.

Responsibilities

• Assess end-to-end credit transactions — including new facilities, amendments, and annual reviews — ensuring thorough due diligence and documentation to support sound approval decisions.
• Conduct detailed financial analysis, cash flow assessments, and industry research to evaluate borrower creditworthiness for U.S. commercial banking clients with revenues ranging from $20 million to over $1 billion.
• Prepare and maintain credit memos and analytical documentation aligned with global credit standards and internal policy frameworks.
• Monitor borrower performance, covenant compliance, and portfolio exposure levels, identifying early warning signals and escalating emerging risks to senior stakeholders in a timely manner.
• Ensure portfolio risk ratings and credit classifications remain accurate and up to date, supporting a well-controlled and compliant lending environment.
• Coordinate with internal teams — including Credit Officers, Relationship Managers, and Risk functions — to support loan documentation, transaction execution, and portfolio reporting.
• Contribute to process improvements within the credit workflow, enhancing efficiency, accuracy, and control across the Commercial Lending Management function.

Required Qualifications & Skills

• 5 years and above experience in credit analysis, underwriting, portfolio, or risk management within a commercial or corporate lending environment.
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related discipline.
• Demonstrated ability to analyse financial statements, assess cash flows, and apply credit fundamentals to evaluate borrower risk.
• Clear and effective written and verbal communication skills in English, with the ability to present complex credit findings to senior stakeholders.
• Proficiency in Microsoft Excel and presentation tools, with the ability to manage and interpret financial data accurately.
• Familiarity with credit risk policies, classification standards, and regulatory frameworks applicable to commercial lending.

Beneficial Skills & Qualifications

• Experience supporting U.S. or international commercial banking portfolios, with exposure to wholesale or institutional lending products.
• Background working within a shared services centre, global capability centre, or similarly structured environment supporting cross-border banking operations.
• Exposure to integrated credit underwriting processes spanning identification, measurement, monitoring, and first-line approval across corporate or institutional credit portfolios.

What We Offer

• Hybrid working arrangement — 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful in-person collaboration.
• Exposure to senior credit professionals and U.S.-based teams, with structured on-the-job learning and access to Citi's global network of expertise.
• Access to a broad range of learning and development resources to deepen your credit, risk, and industry knowledge as your career progresses.
• Comprehensive wellbeing support, including telehealth options, health advocates, and confidential counseling services.
• Expanded Paid Parental Leave, giving all parents dedicated time to adjust to parenthood and bond with their families.
• Financial wellbeing programmes and tools designed to help you plan for your future with confidence.
• Generous paid time off and work-life balance programmes tailored to support your personal and professional needs.
• Volunteering opportunities and community engagement resources, empowering you to give back where you live and work.

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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