VP, Commercial Credit & Underwriting Leader

Citigroup Inc.; Taguig; Hybrid; PHP 1,500,000 - 2,100,000; Full time

Benefits offered by this job

Hybrid work model

Learning & development

Wellbeing support

Paid parental leave

Financial wellbeing tools

Paid time off

Volunteer leave

Job summary

Citigroup Inc. in Manila is seeking a Vice President in Commercial Banking to lead end-to-end credit underwriting for diverse lending clients. You will produce detailed memos, analyze complex financial statements, and ensure adherence to risk policies and regulatory standards.

You will guide and mentor junior officers, drive process improvements, and influence stakeholders across functions to support Citi's credit risk framework and portfolio strategy.

Qualifications

• 6–10 years of credit authority experience within commercial or small business lending, including exposure to regulatory and compliance policy environments.
• Advanced ability to assess individual and company financial statements, cash flow positions, and industry-level dynamics, including complex organizational structures with cross-border entities.
• Solid grounding in accounting principles and their practical application in the credit underwriting process.
• Demonstrated ability to prepare comprehensive credit write-ups and memos that clearly communicate risk, structure, and decision rationale.
• Strong organizational discipline with the ability to manage multiple time-sensitive credit assessments accurately in a fast-paced environment.
• Effective written and verbal communication skills, with the ability to influence and align stakeholders across functions and seniority levels.

Responsibilities

• Lead end-to-end credit underwriting for commercial 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 analyses that assess business viability, financing needs, key risk factors, and deliver a clear credit recommendation.
• Conduct in-depth financial analysis — including trend, ratio, and financial spreading — on complex entities, including foreign subsidiaries or parents.
• Assess repayment capacity of individuals, guarantors, and co-borrowers through analysis of cash flow statements and tax returns.
• Perform industry and market research, due diligence, and competitive analysis to inform credit assessments and portfolio management.
• Monitor compliance with Citi's credit policies and regulatory requirements, ensuring satisfactory standing with auditors.
• Identify and implement improvements to underwriting processes and service delivery with management.
• Mentor junior credit officers and provide leadership coverage for the Credit Underwriting Group.

Skills

Credit risk assessment

Financial statement analysis

Regulatory/compliance policy

Credit memo writing

Stakeholder influence

Financial modeling

Tools

Excel

Financial analysis software

Job description

Citigroup Inc. in Manila is seeking a Vice President in Commercial Banking to lead end-to-end credit underwriting for diverse lending clients. You will produce detailed memos, analyze complex financial statements, and ensure adherence to risk policies and regulatory standards.

You will guide and mentor junior officers, drive process improvements, and influence stakeholders across functions to support Citi's credit risk framework and portfolio strategy.