Credit Officer - Vice President

Citi is looking for a seasoned Credit Risk Officer at the Vice President level to join our Commercial Lending Management team in Taguig City, Philippines — a senior credit role where your analytical expertise directly shapes sound lending decisions and drives the quality of Citi's commercial credit portfolio. In this position, you will serve as a recognized credit authority, partnering closely with bankers to assess, structure, and decision complex commercial credit requests across a diverse client base. Your work will influence the credit risk framework of a global institution serving clients at every stage of their financial journey.

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 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 parent organizations.
• Evaluate 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.
• Monitor compliance with Citi's credit policies and applicable regulatory requirements, ensuring the business unit maintains satisfactory standing with internal and external auditors.
• Identify opportunities to improve underwriting processes and service delivery, collaborating with the management team to prioritize and implement approved changes.
• Mentor junior credit officers and provide leadership coverage for the Credit Underwriting Group, contributing to team capability and continuous improvement.

Required Qualifications & Skills

• 6–10 years of credit authority experience within commercial or small business lending, including exposure to regulatory and compliance policy environments.
• Advanced analytical capability 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.
• Proficiency in Excel and financial analysis tools, including the ability to build and interpret financial models, graphs, and charts.

Beneficial Skills & Qualifications

• Experience managing or contributing to a commercial credit portfolio, including monitoring credit performance and portfolio-level risk trends.
• Familiarity with a broad range of Citi or comparable institutional banking products and services across the consumer and commercial spectrum.
• Demonstrated ability to lead or contribute to cross-functional projects and process improvement initiatives within a credit or risk function.

What We Offer

At Citi, a career in credit risk means more than decisioning loans — it means shaping the financial futures of businesses and the communities they serve. As a Vice President in our Commercial Banking team, you will gain access to a wide range of benefits designed to support your wellbeing, career growth, and life outside of work.

• Hybrid working model — 3 days in the office and 2 days working remotely, giving you the flexibility to do your best work.
• Strategic influence on credit risk decisions that affect Citi's commercial lending portfolio at scale.
• Access to learning and development programmes that deepen your expertise in credit risk, financial analysis, and commercial banking throughout your career.
• Comprehensive wellbeing support, including telehealth services, confidential counselling, and health advocacy resources.
• Expanded Paid Parental Leave, giving all parents dedicated time to bond with their new family members.
• Financial wellbeing tools and resources to help you plan and manage your long-term financial future.
• Generous paid time off and work-life balance programmes that help you recharge and stay at your best.
• Paid volunteer leave and access to community impact programmes — because making a difference extends beyond the office.

Apply today and bring your credit expertise to one of the world's most global banks — where your decisions carry real weight and your career has room to grow.

#LI-WP1

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

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

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Other Relevant Skills

Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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