Senior 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 looking for a Senior Credit Risk Analyst to join its credit team and take ownership of end-to-end credit analysis, financial underwriting, and credit memo preparation for corporate accounts and portfolios. In this role, you will assess complex credits, deliver portfolio-level insights, and work closely with Credit Officers and Relationship Managers to support sound, well-documented lending decisions. Your analysis will directly influence credit quality and portfolio performance across a broad range of client accounts.

Responsibilities

• Conduct end-to-end credit analysis for corporate accounts, including cash flow calculation, debt service coverage, collateral coverage, and guarantor net worth assessment.
• Spread and analyze new, renewal, and interim financial statements and business or individual tax returns, with a focus on complex structures including Not-For-Profit entities.
• Prepare written credit memos that synthesize financial analysis, market context, industry positioning, and portfolio-level findings for use in underwriting decisions.
• Assess credit risk across simple to complex credit requests, delivering clear and well-supported preliminary analysis ahead of underwriting review.
• Advise Credit Officers and Relationship Managers on loan agreement terms and covenant interpretation, and monitor compliance throughout the credit lifecycle.
• Complete quality assurance reviews of application packages and credit analysis to ensure accuracy and completeness before submission for underwriting.
• Mentor and coach junior Credit Analysts, sharing technical knowledge to strengthen team capability and analytical standards.

Required Qualifications & Skills

• 2 to 5 years of experience in a financial institution with direct involvement in credit analysis and the use of financial spreading software.
• In-depth knowledge of Generally Accepted Accounting Principles (GAAP), enabling accurate interpretation of complex financial statements and tax returns.
• Demonstrated ability to assess financial products, credit structures, and applicable financial regulations in a lending context.
• Ability to deliver clear, well-structured written analysis including credit memos covering financial, market, and industry dimensions.
• Effective communication skills, with the ability to present findings and recommendations to Credit Officers and Relationship Managers in a concise and credible manner.
• Bachelor's degree or equivalent professional experience.

Beneficial Skills & Qualifications

• Familiarity with SBA or EXIM loan structures and the specific analytical requirements associated with government-backed lending programs.
• Experience working with Not-For-Profit financial statements and an understanding of the accounting and compliance considerations specific to this sector.
• Prior experience in a quality assurance or review function within a credit or lending environment.

What We Offer

At Citi, you will work within a collaborative credit team where your analysis shapes real lending outcomes for corporate clients. This is an opportunity to deepen your expertise across the full credit lifecycle, take on meaningful responsibility from day one, and grow your career within one of the world's leading financial institutions.

• A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility while staying connected to your team.
• Broad exposure across financial analysis, underwriting, market analysis, and credit memo writing, building a comprehensive skillset across the credit function.
• Structured learning and development opportunities to advance your technical knowledge and progress your career within Citi's global network.
• The opportunity to work on complex corporate credit portfolios, developing expertise that is valued across the financial services industry.
• A performance-driven team environment where your contributions directly affect credit quality and portfolio outcomes.
• Access to wellbeing support, financial wellbeing resources, and a range of benefits designed to support you both professionally and personally.

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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