The Senior Credit Officer evaluates and approves commercial lending proposals, manages portfolio credit quality, and ensures lending decisions comply with Citi policies, risk appetite, and regulatory requirements. The role typically requires a bachelor’s degree in finance, accounting, economics, or a related field, along with substantial experience in commercial credit analysis, underwriting, financial statement review, and risk assessment. Strong knowledge of cash-flow analysis, credit documentation, industry trends, and lending regulations is expected. The successful candidate should demonstrate sound judgment, attention to detail, persuasive communication, and the ability to challenge proposals constructively. As a Vice President, the candidate is expected to influence business partners, mentor junior staff, manage complex or higher-risk transactions, and deliver timely, well-supported credit decisions.
Citi is a global financial institution serving individuals, businesses, governments, and institutional clients in numerous countries. Its businesses include corporate and commercial banking, investment banking, markets, treasury services, consumer banking, wealth management, and transaction services. Citi has a significant presence in the Philippines, with operations in areas such as banking support, technology, risk management, operations, finance, and institutional client services. The bank is known for handling complex international transactions and supporting multinational corporations and local enterprises with financing, cash management, trade services, and capital markets solutions. Employees typically work in a structured, highly regulated environment that emphasizes risk discipline, ethical conduct, collaboration, and continuous professional development. Compensation may include performance incentives, healthcare coverage, retirement or savings benefits, and other employee programs, depending on the position and employment arrangement.
The Philippines offers career opportunities in banking, shared services, technology, customer operations, finance, healthcare, tourism, and business-process outsourcing, especially in Metro Manila, Cebu, and Clark. Filipino culture is generally warm, family-oriented, community-minded, and strongly influenced by English, Spanish, Asian, and American traditions. Lifestyle choices range from busy urban living in Manila to more relaxed coastal or provincial communities. The country provides diverse food, beaches, mountains, festivals, and relatively affordable living costs, although traffic and rainy-season disruptions can affect daily life. Foreign professionals usually need an employer-sponsored work visa, commonly a 9(g) pre-arranged employee visa, while short-term visitors may enter under visa-free arrangements depending on nationality. Employers often assist with work permits and relocation paperwork. New arrivals should budget for housing deposits, healthcare, transportation, and document processing, and should verify current immigration rules before moving.
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