Senior Credit Risk Analyst – AVP (Hybrid)

Citigroup Inc.; Taguig; Hybrid; PHP 1,200,000 - 2,400,000; Full time

Benefits offered by this job

Hybrid work model

Global exposure to US teams

Learning resources and development

Wellbeing support

Job summary

Citigroup Inc. in Taguig is seeking a seasoned Credit Risk Senior Analyst (AVP) to underwrite and analyze credit for US commercial clients. You will support the Commercial Lending Management team with rigorous financial analysis, risk assessment, and documentation to uphold Citi's credit standards.

You will collaborate with Credit Officers, Relationship Managers, and Risk teams, ensuring timely approvals and accurate portfolio reporting in a hybrid setting based in the Philippines.

Qualifications

• 5+ years in credit analysis, underwriting, portfolio, or risk management in commercial/corporate lending.
• Strong ability to analyse financial statements and cash flows to assess borrower risk.
• Excellent written and verbal English communication for senior stakeholders.

Responsibilities

• Assess end-to-end credit transactions—new facilities, amendments, and annual reviews—with thorough due diligence.
• Conduct detailed financial analysis, cash flow assessments, and industry research for U.S. commercial clients.
• Prepare and maintain credit memos aligned with global credit standards and policy frameworks.

Skills

Credit analysis

Underwriting

Financial statement analysis

Cash flow modelling

English communication

Excel

Regulatory frameworks

Education

Bachelor's degree in Finance, Accounting, Economics, Business, or related discipline

Tools

Microsoft Excel

Job description

Citigroup Inc. in Taguig is seeking a seasoned Credit Risk Senior Analyst (AVP) to underwrite and analyze credit for US commercial clients. You will support the Commercial Lending Management team with rigorous financial analysis, risk assessment, and documentation to uphold Citi's credit standards.

You will collaborate with Credit Officers, Relationship Managers, and Risk teams, ensuring timely approvals and accurate portfolio reporting in a hybrid setting based in the Philippines.