Senior Credit Officer, Commercial Lending — Vice President

Senior Credit Officer, Commercial Lending — Vice President

Job Overview

Citi is seeking a Senior Credit Officer at the Vice President level to join our Commercial Lending Management team in Taguig City, Philippines — a senior individual contributor role where your credit expertise directly shapes lending decisions and drives the quality of Citi's commercial portfolio. Partnering closely with bankers, you will assess, structure, and decide complex commercial credit requests across a diverse client base, serving as a recognized credit authority within one of the world's most global financial institutions. Your analytical work will influence credit risk outcomes at scale, contributing to the financial health of businesses and the communities they operate in.

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.
• Assess 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 and implement improvements to underwriting processes and service delivery, working with the management team to prioritize and action approved changes.
• Mentor junior credit officers and provide leadership coverage for the Credit Underwriting Group, strengthening team capability and supporting 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 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.
• 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 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 well‑being, career growth, and life outside of work.

• Hybrid working model with 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.

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. View Citi’s EEO Policy Statement and the Know Your Rights poster.