Hybrid Corporate Credit Analyst II - Risk & Underwriting

Citi; Taguig; Hybrid; PHP 5,671,000 - 8,192,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Citi’s Institutional Credit Management team is seeking a Corporate Credit Analyst II to assess, underwriting, and monitor credit risk for major institutional clients across Hong Kong and Taiwan. You will support credit decisions in corporate banking, services, and markets.

You will perform financial spreading, projection modeling, and industry analysis to inform risk assessments and participate in portfolio monitoring and strategic initiatives while collaborating with regional risk and business

Qualifications

• 2–5 years of experience in credit analysis, underwriting, or related risk function.
• Experience in end-to-end credit analysis, including spreading, industry analysis, and credit memos.
• Experience managing large corporate portfolios, including major conglomerates.
• Bachelor's degree or equivalent.

Responsibilities

• Conduct end-to-end credit analysis and underwriting for corporate and public sector clients across Hong Kong and Taiwan.
• Prepare annual reviews, quarterly reviews, and ad-hoc transaction assessments to support ongoing portfolio monitoring.
• Draft complete and accurate Credit Approval Memo packages that support timely credit decisions.
• Perform financial spreading, projection modeling, and stress testing to evaluate borrower creditworthiness.
• Analyze industry trends and market conditions to inform credit assessments for large corporate and public sector clients, including major conglomerates.
• Assess risk ratings and evaluate financing and product structures to support sound credit decisions.
• Collaborate with banking, risk, and control functions to manage stakeholder relationships and address portfolio and industry reviews.
• Contribute to strategic initiatives and projects within the Credit Underwriting organization.

Skills

Credit analysis

Underwriting

Financial spreading

Industry analysis

Credit memo writing

Portfolio management

Verbal & written communication

Education

Bachelor's degree or equivalent

Job description

Citi’s Institutional Credit Management team is seeking a Corporate Credit Analyst II to assess, underwriting, and monitor credit risk for major institutional clients across Hong Kong and Taiwan. You will support credit decisions in corporate banking, services, and markets.

You will perform financial spreading, projection modeling, and industry analysis to inform risk assessments and participate in portfolio monitoring and strategic initiatives while collaborating with regional risk and business