VP, Commercial Credit Leader - Hybrid/Remote

Citigroup Inc.; Taguig; Hybrid; PHP 1,800,000 - 2,400,000; Full time

Benefits offered by this job

Hybrid work model

Paid parental leave

Wellbeing resources

Job summary

Citigroup Inc. in Taguig invites a Senior Credit Officer (VP) to lead end-to-end underwriting for commercial lending, owning complex credit decisions and shaping the portfolio's risk profile.

You will analyze financial statements, perform cash-flow and industry due diligence, prepare detailed credit memos, and partner with bankers to deliver well-supported recommendations while mentoring junior officers and driving process improvements.

Qualifications

• 6–10 years of credit authority experience within commercial or small business lending.
• Advanced ability to assess financial statements, cash flow, and industry dynamics, including cross-border structures.
• Solid grounding in accounting principles and practical application in underwriting.

Responsibilities

• Lead end-to-end credit underwriting for commercial lending requests, owning decisions in line with policies and regulators.
• Produce detailed credit memos and analyses that assess viability, financing needs, risk factors, and provide clear recommendations.
• Analyze financial statements, cash flow positions, and personal financial data to assess repayment capacity.
• Perform industry and market due diligence, including geographic risk and competitive analysis.
• Monitor compliance with credit policies and regulatory requirements; support auditors.

Skills

Credit underwriting

Financial statement analysis

Regulatory compliance

Credit memos

Cross-functional collaboration

Excel

Financial modeling

Tools

Financial analysis tools

Job description

Citigroup Inc. in Taguig invites a Senior Credit Officer (VP) to lead end-to-end underwriting for commercial lending, owning complex credit decisions and shaping the portfolio's risk profile.

You will analyze financial statements, perform cash-flow and industry due diligence, prepare detailed credit memos, and partner with bankers to deliver well-supported recommendations while mentoring junior officers and driving process improvements.