Intermediate Credit Underwriter — Commercial & Institutional

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

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