Senior Credit Risk Analyst - Hybrid in Corporate Lending

Citi; Taguig; Hybrid; PHP 900,000 - 1,400,000; Full time

Benefits offered by this job

Hybrid work model: 3 days in office, 2

Wellbeing resources

Career development

Global network access

Financial wellbeing support

Job summary

Citi is seeking a Senior Credit Risk Analyst to join its credit team in Manila. You will own end-to-end credit analysis, underwriting support, and credit memo preparation for corporate accounts, influencing lending decisions.

You will analyze complex credits, spread financials, and assess risk across a broad portfolio, collaborating with Credit Officers and Relationship Managers. Mentoring junior analysts is part of the role.

Qualifications

• 2 to 5 years of experience in credit analysis within a financial institution.
• In-depth GAAP knowledge for interpreting complex financial statements and tax returns.
• Ability to assess financial products, credit structures, and applicable regulations in lending.

Responsibilities

• Conduct end-to-end credit analysis for corporate accounts, including cash flow, DSCR, collateral, and guarantor net worth.
• Spread and analyze financial statements and tax returns, including Not-For-Profit structures.
• Prepare written credit memos synthesizing financial analysis, market context, and portfolio findings.

Skills

Analytical thinking

Credible challenge

Financial analysis

Governance

Policy

Procedure

Regulation

Communication

Education

Bachelor's degree or equivalent

Tools

GAAP knowledge

Job description

Citi is seeking a Senior Credit Risk Analyst to join its credit team in Manila. You will own end-to-end credit analysis, underwriting support, and credit memo preparation for corporate accounts, influencing lending decisions.

You will analyze complex credits, spread financials, and assess risk across a broad portfolio, collaborating with Credit Officers and Relationship Managers. Mentoring junior analysts is part of the role.