Hybrid VP: Institutional Credit Leader

Citi; Taguig; Hybrid; PHP 3,000,000 - 5,000,000; Full time

Benefits offered by this job

Hybrid work model

Learning & development

Wellbeing programs

Parental leave

Volunteer opportunities

Work-life balance

Job summary

Citi in Taguig City, Philippines, seeks a Senior Credit Officer at Vice President level to join Institutional Credit Management. You will assess, structure, and decide complex credit requests across commercial, corporate, and institutional portfolios, collaborating with banking teams and acting as a credit authority.

This role demands deep credit judgment, strong financial analysis, and leadership to mentor junior officers, while maintaining compliance with policies and regulatory standards.

Qualifications

• 6–10 years of credit authority experience in commercial, corporate, or institutional lending.
• Advanced ability to assess financial statements, cash flows, and industry dynamics.
• Strong grounding in accounting principles and credit underwriting.
• Proven ability to write comprehensive credit memos with risk rationale.
• Ability to manage multiple, time-sensitive assessments in a fast-paced setting.
• Proficiency in Excel and financial modelling.

Responsibilities

• Lead end-to-end credit underwriting for commercial and institutional lending decisions.
• Produce detailed credit memos and analyses with risk factors and recommendations.
• Perform financial analysis including trend/ratio analysis on complex structures.
• Assess repayment capacity from cash flows, tax returns, and statements.
• Conduct due diligence and market research to inform credit assessments.
• Mentor junior officers and support underwriting process improvements.

Skills

Credit underwriting

Financial analysis

Regulatory compliance

Excel modelling

Cross-border structuring

Communication

Risk management

Tools

Excel

Financial modelling

Job description

Citi in Taguig City, Philippines, seeks a Senior Credit Officer at Vice President level to join Institutional Credit Management. You will assess, structure, and decide complex credit requests across commercial, corporate, and institutional portfolios, collaborating with banking teams and acting as a credit authority.

This role demands deep credit judgment, strong financial analysis, and leadership to mentor junior officers, while maintaining compliance with policies and regulatory standards.