Senior Credit Risk Officer - Vice President

Citi; Taguig; Hybride; PHP 7 643 000 - 12 102 000; Plein temps

Avantages offerts par ce poste

Hybrid work model

Global exposure

Learning & development

Résumé du poste

Citi seeks a Senior Credit Risk Officer, Vice President, to own credit risk analysis and underwriting for a portfolio across Singapore, Thailand, Vietnam, and Indonesia, shaping Citi's approach to institutional credit risk across ASEAN.

In this individual contributor role within Institutional Credit Management, you will draft credit memos, perform financial analysis and stress tests, lead reviews, and collaborate with Banking, Risk, and Regulators to support sound credit decisions.

Qualifications

• Six to ten years of experience in credit risk, underwriting, or related roles.
• Ability to assess financing structures, financial statements, and industry data to form credit judgments.
• Knowledge of global credit risk management standards and practices.

Responsabilités

• Own credit risk analysis for a portfolio across Singapore, Thailand, Vietnam, and Indonesia.
• Draft comprehensive Credit Approval Memos with financial analysis and risk ratings.
• Conduct financial analysis, projection modeling, and stress testing.

Connaissances

Six to ten years experience

Credit underwriting

Financial statement analysis

Holistic risk view

Verbal and written communication

Stakeholder negotiation

Bachelor's degree

Formation

Bachelor's degree or equivalent

Description du poste

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

Citi invests in the growth and impact of credit risk professionals who shape institutional risk decisions across global markets.

• 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.

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

Job Family Group

Risk Management

Job Family

Credit Risk

Time Type

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.