Senior Corporate Credit Risk Analyst

Citi; Philippines; Hybrid; PHP 800,000 - 1,100,000; Full time

Job summary

Citi is seeking a Senior Credit Risk Analyst to own end-to-end credit analysis, underwriting support, and memo preparation for corporate accounts. You will assess complex credits and deliver portfolio insights in collaboration with Credit Officers and Relationship Managers.

Hybrid work model offered (3 days in-office, 2 remote). 2–5 years of relevant experience and GAAP proficiency required; Bachelor's degree preferred.

Qualifications

• 2 to 5 years of credit analysis experience in a financial institution.
• Strong interpretation of GAAP financial statements.
• Ability to deliver clear written credit memos.
• Excellent communication with Credit Officers and Relationship Managers.

Responsibilities

• Conduct end-to-end credit analysis for corporate accounts, including cash flow calculation, DSCR, collateral, and guarantor net worth.
• Spread and analyze financial statements and tax returns, including Not-For-Profit entities.
• Prepare written credit memos synthesizing analysis, market context, and portfolio findings.
• Assess credit risk across simple to complex requests with preliminary analysis for underwriting.
• Advise Officers and Relationship Managers on loan terms and covenants, monitoring compliance.
• Complete QA reviews of applications and analysis before underwriting submission.
• Mentor and coach junior Credit Analysts to strengthen team capability.

Skills

Credit analysis

GAAP knowledge

Financial analysis

Written communication

Stakeholder collaboration

Education

Bachelor's degree

Tools

Financial spreading software

Job description

Citi is seeking a Senior Credit Risk Analyst to own end-to-end credit analysis, underwriting support, and memo preparation for corporate accounts. You will assess complex credits and deliver portfolio insights in collaboration with Credit Officers and Relationship Managers.

Hybrid work model offered (3 days in-office, 2 remote). 2–5 years of relevant experience and GAAP proficiency required; Bachelor's degree preferred.