Senior Credit Risk Officer - Vice President

Citigroup; Taguig; Hybrid; PHP 7,609,000 - 12,048,000; Full time

Benefits offered by this job

Hybrid work model

Global exposure to ASEAN clients

Job summary

Citigroup is seeking a Senior Credit Risk Officer, Vice President, to own credit risk analysis and underwriting for a portfolio across Singapore, Thailand, and Vietnam within its Institutional Credit Management function. You will shape Citi's approach to credit risk, applying holistic analysis of risk, policy, and market dynamics to deliver well-reasoned assessments for complex client transactions.

You will lead comprehensive memos, financial analyses, and stress testing while partnering with

Qualifications

• Six to ten years of experience in credit risk, underwriting, or related credit analysis roles.
• Proven ability to assess financing structures, financial statements, and industry data to form credit judgments.
• Working knowledge of global credit risk management standards and practices.
• A holistic understanding of credit, risk, industry trends, policy, and business dynamics.
• Strong verbal and written communication skills, with the ability to present analysis clearly to varied audiences.
• Ability to negotiate and resolve differing viewpoints among stakeholders across business and risk functions.

Responsibilities

• Own credit risk analysis and underwriting for a portfolio of corporate banking relationships across Singapore, Thailand, and Vietnam.
• Draft comprehensive Credit Approval Memos that capture financial analysis, due diligence findings, and risk ratings to support underwriting decisions.
• Conduct financial analysis, projection modeling, and stress testing to evaluate borrower creditworthiness and transaction risk.
• Lead annual and quarterly credit reviews, ad-hoc transaction assessments, and portfolio and industry reviews in partnership with Banking and Risk teams.
• Apply leading credit underwriting practices across the full credit lifecycle, from early origination discussions through final credit approval.
• Assess financing structures, industry dynamics, and local market conditions to form balanced risk and return judgments.
• Build working relationships with Banking, Risk, Regulators, Internal Audit, and other control functions to support sound credit decisions.
• Contribute to strategic initiatives and projects within Citi's Institutional Credit Management underwriting organization.

Skills

Credit risk analysis

Underwriting

Financial statement analysis

Risk management

Stakeholder communication

Negotiation

Bachelor's degree or equivalent

Education

Bachelor's degree or equivalent practical experience

Job description

As a Senior Credit Risk Officer, Vice President, you will own credit risk analysis and underwriting for a portfolio of corporate banking relationships across Singapore, Thailand, and Vietnam , shaping how Citi assesses and manages institutional credit risk across ASEAN . You will apply a holistic view of credit, risk, industry trends, policy, and business dynamics to deliver accurate, well-reasoned risk assessments that support complex client transactions and protect Citi's credit portfolio. This individual contributor role sits within Citi's Institutional Credit Management function, the first line of defense for credit risk across the firm's wholesale businesses.

Responsibilities

• Serve as the credit risk officer for a portfolio of corporate banking relationships across Singapore, Thailand, and Indonesia, owning continuous credit monitoring.
• Draft comprehensive Credit Approval Memos that capture financial analysis, due diligence findings, and risk ratings to support underwriting decisions.
• Conduct financial analysis, projection modeling, and stress testing to evaluate borrower creditworthiness and transaction risk.
• Lead annual and quarterly credit reviews, ad-hoc transaction assessments, and portfolio and industry reviews in partnership with Banking and Risk teams.
• Apply leading credit underwriting practices across the full credit lifecycle, from early origination discussions through final credit approval.
• Assess financing structures, industry dynamics, and local market conditions to form balanced risk and return judgments.
• Build working relationships with Banking, Risk, Regulators, Internal Audit, and other control functions to support sound credit decisions.
• Contribute to strategic initiatives and projects within Citi's Institutional Credit Management underwriting organization.

Required Qualifications & Skills

• Six to ten years of experience in credit risk, underwriting, or related credit analysis roles.
• Proven ability to assess financing structures, financial statements, and industry data to form credit judgments.
• Working knowledge of global credit risk management standards and practices.
• A holistic understanding of credit, risk, industry trends, policy, and business dynamics.
• Strong verbal and written communication skills, with the ability to present analysis clearly to varied audiences.
• Ability to negotiate and resolve differing viewpoints among stakeholders across business and risk functions.
• Bachelor's degree or equivalent practical experience.

Beneficial Skills & Qualifications

• Deep technical expertise in end-to-end credit analysis and underwriting.
• Familiarity with local markets, regulations, and competitive dynamics across Singapore, Thailand, and Indonesia.
• Experience navigating complex organizational structures across geographies and functions.

What We Offer

• Work in a hybrid model with 3 days in the office and 2 days working remotely each week.
• Collaborate with credit, risk, and banking professionals across Southeast Asia and globally.
• Build deep expertise in credit underwriting through exposure to complex, cross-border transactions.
• Access ongoing learning and development programs to strengthen credit and risk skills.
• Benefit from programs supporting financial wellbeing, physical health, and family needs.
• Shape credit decisions that directly influence Citi's institutional risk portfolio.

Time Type: Full time

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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