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 \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Credit Risk \------------------------------------------------------ ## Time Type: Full time \------------------------------------------------------ ## Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ ## Other Relevant Skills Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. \------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 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