Vice President, Senior Credit Underwriter

Citigroup Inc.; Taguig; On-site; PHP 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Hybrid work model

Credit risk learning

Wellbeing support

Parental leave

Job summary

Citigroup Inc. in Taguig City, Philippines seeks a Senior Credit Officer (Vice President) to lead underwriting for commercial, corporate and institutional lending. You will craft memos, assess complex financials, and guide credit decisions in collaboration with Citi's risk framework and banking teams.

You will mentor junior staff while ensuring regulatory compliance, with a hybrid work model and opportunities to shape risk strategy across portfolios.

Qualifications

• 6–10 years of credit authority experience within commercial, corporate, or institutional lending.
• Ability to assess financial statements, cash flow, and industry dynamics.
• Strong grounding in accounting principles and credit underwriting.
• Experience preparing credit memos and risk communications.
• Proven ability to manage multiple time-sensitive credit assessments.
• Proficiency in Excel and financial analysis tools.

Responsibilities

• Lead end-to-end credit underwriting for commercial and institutional lending requests, owning credit decisions for new and existing clients in alignment with Citi's credit risk policies and regulatory standards.
• Produce detailed credit memos and written analyses that assess business viability, interpret financing needs, identify key risk factors, and deliver a clear, well-supported credit recommendation.
• Conduct in-depth financial analysis—including trend analysis, ratio analysis, and financial spreading—on companies with complex structures, including those with foreign subsidiaries or cross-border parent organizations.
• Assess the repayment capacity of individuals, guarantors, and co-borrowers through analysis of cash flow statements, tax returns, and personal financial statements.
• Perform industry and market research, geographical due diligence, and competitive analysis to inform credit assessments and support portfolio management across ICM's coverage groups.
• Monitor compliance with credit policies and applicable regulatory requirements, ensuring the business unit maintains satisfactory standing with internal and external auditors.
• Mentor junior credit officers and provide coverage leadership for the credit underwriting function, strengthening team capability and supporting continuous improvement.

Skills

Credit underwriting

Financial statement analysis

Cross-border / international struct.

Regulatory compliance

Financial modeling

Excel

Stakeholder communication

Tools

Excel

Financial modeling software

Job description

Citigroup Inc. in Taguig City, Philippines seeks a Senior Credit Officer (Vice President) to lead underwriting for commercial, corporate and institutional lending. You will craft memos, assess complex financials, and guide credit decisions in collaboration with Citi's risk framework and banking teams.

You will mentor junior staff while ensuring regulatory compliance, with a hybrid work model and opportunities to shape risk strategy across portfolios.