Credit Risk Senior Analyst, Assistant Vice President

Citi; Taguig; Hybrid; PHP 2,000,000 - 3,200,000; Full time

Benefits offered by this job

Hybrid working arrangement

Global exposure and collaboration with

Learning and development resources

Wellbeing support

Paid parental leave

Financial wellbeing programs

Work-life balance programs

Volunteering opportunities

Job summary

Citi in Manila-based Commercial Lending Management invites a Senior Credit Analyst to join a global team delivering high-quality credit analysis for U.S. commercial clients.

You will be the first line of defense in Citi's commercial credit function, collaborating with senior professionals across the United States and finance groups in a fast-paced environment. Responsibilities include end-to-end credit assessment, financial analyses, and documentation, with a focus on risk management,

Qualifications

• 5+ years in credit analysis or risk management in commercial lending.
• Bachelor's degree in Finance, Accounting, Economics, or related.
• Ability to analyze financial statements and cash flows.
• Strong written and verbal English communication.
• Proficiency with Excel and presentation tools.
• Familiarity with credit risk policies and regulatory frameworks.

Responsibilities

• Assess end-to-end credit transactions with due diligence.
• Analyze financial statements, cash flows, and industry data for US clients.
• Prepare and maintain credit memos aligned with Citi standards.
• Monitor borrower performance and covenant compliance; escalate risks.
• Ensure accurate risk ratings and compliant lending environment.
• Coordinate with Credit Officers, Relationship Managers, and Risk teams on docs and reporting.
• Support process improvements in credit workflow.

Skills

Credit analysis

Underwriting

Portfolio risk management

Financial statement analysis

English communication

Excel

Education

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

Tools

Microsoft Excel

Presentation tools

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 analyze 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

At Citi, we invest in the people who drive our business forward. Joining Commercial Lending Management means gaining access to a collaborative, globally connected team where your contributions directly support real credit decisions for some of North America's most dynamic businesses. We're committed to supporting your growth, wellbeing, and work-life balance from day one.

• 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.

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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