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Credit Officer - Vice President
Hybrid · Taguig, Metro Manila, Philippines
Job Summary
Lead end-to-end credit underwriting for commercial lending requests, owning credit decisions aligned with Citi's credit risk policies; produce detailed credit memos and analyses assessing business viability, financing needs, and risk factors; perform in-depth financial analysis including trend/ratio analysis and financial spreading on complex structures with cross-border entities; evaluate repayment capacity of individuals, guarantors, and co-borrowers via cash flow statements and financials; conduct industry and market due diligence to inform assessments and portfolio management; monitor compliance with policies and regulatory requirements; identify opportunities to improve underwriting processes and mentor junior credit officers, providing leadership coverage for the Credit Underwriting Group; hybrid working arrangement with three days in office and two remote.
Required Qualifications
- 6–10 years of credit authority experience within commercial or small business lending
- exposure to regulatory and compliance policy environments
- Advanced analytical capability to assess financial statements and industry dynamics
- Solid grounding in accounting principles
- Ability to prepare comprehensive credit write-ups and memos
- Strong organizational discipline
- Effective written and verbal communication skills
- Proficiency in Excel and financial analysis tools
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