Please Note
- An estimate based on public data for similar roles. Not provided by the employer.
Senior Credit Officer, Commercial Lending — Vice President
Role summary
Written by MyIslandJob from the job title and employer. See the employer's page for the full description.
The Senior Credit Officer is responsible for assessing and approving credit exposures for commercial lending clients, including reviewing financial statements, cash flow, industry risks, collateral, and repayment capacity. Requirements typically include a bachelor’s degree in finance, accounting, economics, or a related field; substantial experience in commercial credit analysis or underwriting; and strong knowledge of lending policies, credit risk, and regulatory standards. The candidate is expected to exercise sound independent judgment, prepare clear credit recommendations, monitor portfolio quality, identify emerging risks, and work effectively with relationship managers and senior stakeholders. Strong analytical, communication, negotiation, and report-writing skills are essential. Experience with corporate or commercial banking and familiarity with local and international credit practices are advantageous.
Can I work in the Philippines?
Never pay anyone for a visa or a job offer. A real employer pays the permit costs and never asks you for money.
How it works
How it works: Work permit route: the bank must post the job for Filipinos first, then file the permit and the 9(g) visa; senior and specialist posts are the realistic ones.
Before you apply: Dealing, advising and senior roles usually need a regulator's licence or approval, which checks your honesty, skills and finances. Ask if your job does.
Watch for: Graduate analyst roles are the hardest case: a permit is issued only if no Filipino is competent, able and willing to do the job (Labor Code, article 40).
Official source: Bureau of Immigration: Pre-arranged Employment Visa (9G). Checked November 2026.
What the job usually comes with in the Philippines
Usual for Banking jobs in the Philippines, varies by employer. Checked November 2026.
| Housing | Senior expat packages often add a housing allowance; local-hire contracts do not |
|---|---|
| Relocation | Employer files the permit and visa; fees are agreed in the contract; moving help for senior hires only |
| Flights | Yearly home flight in some senior expat packages; none for local hires |
| Contract | Regular after at most 6 months' probation (by law); foreigners' contracts follow the permit, 1 to 3 years |
| Leave | 5 days after 1 year; 10 regular holidays and 8 special days in 2026 (by law) |
| Income tax | 0% to PHP 250,000 a year (about USD 4,000), then 15% to 35%; 13th month tax-free to PHP 90,000 |
| Health cover | PhilHealth is deducted from pay and matched by the employer (by law); a company health plan is the office norm |
Senior staff often get more than line staff, for example a single room or a yearly home flight. Ask the employer what the job includes before you accept.
Guidance, not legal advice. Rules change; your employer confirms the details for your case.
About Citi Bank
Citi is a major global financial institution providing banking, capital markets, wealth management, payments, and corporate services to individuals, businesses, governments, and institutional clients. Its operations in the Philippines support local and international companies through commercial banking, treasury and trade solutions, risk management, technology, operations, and shared services. Citi is known for its global network, sophisticated financial products, and emphasis on regulatory discipline, credit quality, client service, and responsible risk-taking. Employees commonly work with multinational teams and serve clients across multiple markets, making the organization suitable for professionals seeking international banking exposure. The company typically values analytical ability, integrity, collaboration, technical expertise, and adaptability. The role described is associated with Citi’s commercial lending and credit risk activities in the Philippines.