The Senior Credit Officer is responsible for assessing and approving credit exposures for commercial lending clients, including analyzing financial statements, cash flow, industry conditions, collateral, and repayment capacity. The role typically requires a bachelor’s degree in finance, accounting, economics, or a related field, with substantial experience in commercial credit analysis, underwriting, portfolio management, and risk assessment. Strong knowledge of credit policies, financial modeling, regulatory standards, and documentation is expected. The successful candidate should demonstrate sound judgment, attention to detail, clear communication, and the ability to challenge recommendations constructively. As a Vice President, the candidate will be expected to manage complex transactions, provide senior-level risk decisions, work with relationship and product teams, and maintain strong portfolio quality in line with Citi’s global controls.
Citi is a global financial institution providing banking, payments, markets, securities services, and wealth management solutions to corporations, financial institutions, governments, and affluent individuals. Its operations in the Philippines support local and international clients through commercial banking, transaction services, operations, technology, risk, and other banking functions. Citi is known for its international network, sophisticated risk-management framework, and focus on serving businesses with cross-border financial needs. The organization generally offers structured career development, exposure to global stakeholders, and opportunities to work with complex financial products. Employees are expected to uphold strong regulatory, ethical, and control standards while collaborating across countries and business units. Compensation varies by level, experience, business line, and performance, with senior roles commonly receiving bonuses and comprehensive benefits.
The Philippines offers banking, shared-services, technology, finance, and customer-support opportunities, especially in Metro Manila, Taguig, Makati, Cebu, and Clark. The country has a warm, sociable culture, widespread English use, and generally strong hospitality toward foreign professionals. Metro Manila provides the broadest career market but has heavy traffic and higher housing costs; Cebu and other regional centers offer a more relaxed lifestyle. Living expenses vary considerably by location, with private healthcare, international schools, and central apartments costing more. Foreign employees normally need an employer-sponsored work permit and an appropriate visa, commonly a 9(g) pre-arranged employee visa; requirements can change, so confirmation with the employer and Philippine authorities is essential. Relocating candidates should arrange employment approval, accommodation, health insurance, tax registration, and document authentication before arrival.
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