24 Credit Risk jobs in the Philippines

The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.
**Responsibilities:**
+ Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
+ Manages the risk associated with new and existing borrowing relationships through the following:
+ Performs spreads of client business financial statements
+ Creates Customer Accounting Systems' through Credit Platform
+ Recognizes potential client risk through early warning systems
+ Performs periodic financial statement review
+ Tracks established financial covenants
+ Monitors compliance to borrowing base credit facility
+ Accompanies Underwriting Manager on customer site visits (when appropriate)
+ Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
+ Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
---
**Time Type:**
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
_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._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Philippines**Types**: Experienced Professional, Full time

Responsible for performing processes involved in the development, implementation and enhancement of the Bank’s credit risk measurement models.

**QUALIFICATION (EDUCATION, EXPERIENCE, COMPETENCY)**
- Four (4) year undergraduate degree in Mathematics, Statistics, Financial
Engineering or any degree in a quantitative discipline
- Preferably with experience in risk management/control related
functions or any analytical or research related functions; knowledge of banking and/or financial services
- Strong quantitative skills, good comprehension and analytical skills, good writing and communication skills
- Proficient in Microsoft Office, attentive to details, organized
- Has initiative, positive attitude, enthusiasm, good interpersonal skills

The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.
**Responsibilities:**
+ The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.
+ The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.
+ The position will require gaining a detailed familiarity with Citi's standard forms of documentation, technology, and internal procedures.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 0-2 years relevant experience
+ Makes judgments and recommendations based on analysis and specialty area knowledge.
+ Researches and interprets factual information.
+ Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.
+ Exchanges information in a concise and consistent way as well as be sensitive to diverse audience
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review **Accessibility at Citi ( .
View the "EEO is the Law ( " poster. View the EEO is the Law Supplement ( .
View the EEO Policy Statement ( .
View the Pay Transparency Posting ( is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

**Credit Risk Officer**
Role Overview and Purpose: Credit Risk Management will be responsible for managing the risk of Pearson's Accounts Receivable in all Global Business Service locations, including country risk, account risk via credit lines and risk classifications as well as bad debt losses and the monitoring of bankrupt customers.
Key Deliverables:
+ Supports in driving overall risk management principles throughout all portfolios
+ Identify potential risk, issues that need escalation and escalates them promptly
+ Assist in managing Pearson's bad debt provision entails report generation and ensuring its accuracy and adherence to the guidelines
+ Ensure on-time and accurate reporting, documentation, filling and storage, and submission of all relevant reports
+ Coordinate with the management and Internal/external audit to resolve risk management, audit requirements and control issues.
+ Analyze macroeconomics, economic activity, and the creditworthiness of customers. Includes analyzing relevant industry and financial condition of borrowers, the risk factors and prepare mitigating suggestions
+ Identify financial risks to Pearson based on the financial profile and payment capacity of the customer
+ Prepare and submit credit assessment report to the approver, recommend and or adjust limits based on the results based on the analysis of the financial situation and gathered information
+ Review Credit limits and internal rating of existing customers
+ Other works / reports assigned by the Credit Risk Manager
+ At least 2 years' experience in Finance, preferably directly in the Order-to-Cash function and specifically in credit risk management
+ Knowledge in basic industry research capabilities, including risk and key drivers
+ Capable of writing comprehensive and in-depth credit assessment report
+ Ability to identify key drivers for change and process improvements
+ Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Efficient judgement and informed decision-making skills
+ Good knowledge of audit and SOX compliance
+ Highly proficient in reporting tools such as excel
**Who we are:**
At Pearson, our purpose is simple: to help people realize the life they imagine through learning. We believe that every learning opportunity is a chance for a personal breakthrough. We are the world's lifelong learning company. For us, learning isn't just what we do. It's who we are. To learn more: We are Pearson.
Pearson is an Equal Opportunity Employer and a member of E-Verify. Employment decisions are based on qualifications, merit and business need. Qualified applicants will receive consideration for employment without regard to race, ethnicity, color, religion, sex, sexual orientation, gender identity, gender expression, age, national origin, protected veteran status, disability status or any other group protected by law. We actively seek qualified candidates who are protected veterans and individuals with disabilities as defined under VEVRAA and Section 503 of the Rehabilitation Act.
If you are an individual with a disability and are unable or limited in your ability to use or access our career site as a result of your disability, you may request reasonable accommodations by emailing
**Job:** Finance
**Job Family:** FINANCE
**Organization:** Corporate Finance
**Schedule:** FULL_TIME
**Workplace Type:** Hybrid
**Req ID:** 19581

**Credit Risk Officer**
Role Overview and Purpose: Credit Risk Management will be responsible for managing the risk of Pearson's Accounts Receivable in all Global Business Service locations, including country risk, account risk via credit lines and risk classifications as well as bad debt losses and the monitoring of bankrupt customers.
Key Deliverables:
+ Supports in driving overall risk management principles throughout all portfolios
+ Identify potential risk, issues that need escalation and escalates them promptly
+ Assist in managing Pearson's bad debt provision entails report generation and ensuring its accuracy and adherence to the guidelines
+ Ensure on-time and accurate reporting, documentation, filling and storage, and submission of all relevant reports
+ Coordinate with the management and Internal/external audit to resolve risk management, audit requirements and control issues.
+ Analyze macroeconomics, economic activity, and the creditworthiness of customers. Includes analyzing relevant industry and financial condition of borrowers, the risk factors and prepare mitigating suggestions
+ Identify financial risks to Pearson based on the financial profile and payment capacity of the customer
+ Prepare and submit credit assessment report to the approver, recommend and or adjust limits based on the results based on the analysis of the financial situation and gathered information
+ Review Credit limits and internal rating of existing customers
+ Other works / reports assigned by the Credit Risk Manager
+ At least 2 years' experience in Finance, preferably directly in the Order-to-Cash function and specifically in credit risk management
+ Knowledge in basic industry research capabilities, including risk and key drivers
+ Capable of writing comprehensive and in-depth credit assessment report
+ Ability to identify key drivers for change and process improvements
+ Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Efficient judgement and informed decision-making skills
+ Good knowledge of audit and SOX compliance
+ Highly proficient in reporting tools such as excel
**Who we are:**
At Pearson, our purpose is simple: to help people realize the life they imagine through learning. We believe that every learning opportunity is a chance for a personal breakthrough. We are the world's lifelong learning company. For us, learning isn't just what we do. It's who we are. To learn more: We are Pearson.
Pearson is an Equal Opportunity Employer and a member of E-Verify. Employment decisions are based on qualifications, merit and business need. Qualified applicants will receive consideration for employment without regard to race, ethnicity, color, religion, sex, sexual orientation, gender identity, gender expression, age, national origin, protected veteran status, disability status or any other group protected by law. We actively seek qualified candidates who are protected veterans and individuals with disabilities as defined under VEVRAA and Section 503 of the Rehabilitation Act.
If you are an individual with a disability and are unable or limited in your ability to use or access our career site as a result of your disability, you may request reasonable accommodations by emailing
**Job:** Finance
**Job Family:** FINANCE
**Organization:** Corporate Finance
**Schedule:** FULL_TIME
**Workplace Type:** Hybrid
**Req ID:** 19581

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi's institutional clients. ICM's objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function ("ICM UW" or "UW") provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
ICM Risk Analysis ("IRAU") is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization.
ICM Risk Analysis Credit Risk Senior Analysts (Corporates) are responsible for a portfolio of relationships, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing.
A Credit Risk Senior Analyst (Corporates) is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from their respective Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the respective Team Lead.
The Credit Risk Senior Analyst (Corporates) is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.
**Responsibilities:**
+ Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
+ Manages the risk associated with new and existing borrowing relationships through the following:
+ Performs spreads of client business financial statements
+ Creates Customer Accounting Systems' through Credit Platform
+ Recognizes potential client risk through early warning systems
+ Performs periodic financial statement review
+ Tracks established financial covenants
+ Monitors compliance to borrowing base credit facility
+ Accompanies Underwriting Manager on customer site visits (when appropriate)
+ Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
+ Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
_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._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi's institutional clients. ICM's objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function ("ICM UW" or "UW") provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
ICM Risk Analysis ("IRAU") is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization.
ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of relationships, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing.
A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from their respective Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the respective Team Lead.
This role has responsibility for the Financial Institutions portfolio and the role reports directly to the ICM Risk Analysis Financial Institutions Team Lead.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi's Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi's risk appetite
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners
+ Partnership with applicable regional and industry stakeholders in in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Skills/Competencies:**
+ Risk & Credit Underwriting:
+ Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
+ Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
+ Displays robust industry research capabilities, including risk and key drivers
+ Strong understanding of Credit Policy and procedures; proactively refers to resources as needed
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
+ Leadership:
+ Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
+ Embraces the need for change and appreciates its benefits with natural curiosity
+ Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas
+ Interpersonal:
+ Strong interpersonal skills, with the ability to build relationships
+ Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Technical:
+ Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
+ Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
**Qualifications:**
+ BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
+ Financial Services experience including 2-3 years of credit experience in banking or credit risk management
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.
---
_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._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Are you thinking about improving your career development and your professional growth? We invite you to join one of the most successful international logistics organizations here at Kuehne+Nagel. You will be joining our high performing Knowledge Center Finance team in Cebu.
**Your Role**
You will be responsible for assessing the credit worthiness of current and prospective customers by gathering and analyzing data from internal and external sources including Credit Bureaus, Bank References and Financial Statements. With the authority delegated by the Credit Team Leader, you will be empowered to make credit-granting decisions while ensuring the maintenance of accurate and timely information to meet Credit Management requirements.
**Your Responsibilities**
+ Assist with day-to-day credit risk decisions for customers.
+ Ensure compliance with accounts receivable internal controls.
+ Responsible for Risk Management decisions within set competency
+ Ensure monthly credit KPI's are achieved - Analyze and address Credit Limit Excess
+ Coordinate communication with Sales, Controlling team and Finance Management
+ Conduct calls with customers to review Financial Statements
+ Conduct credit review calls with AR Insurer
+ Provide Customer Service Excellence to both internal and external customers.
+ Ensure accurate business records and sound bookkeeping procedures are maintained.
+ Maintain and encourage enthusiasm, energy, inspiration and expertise within the team.
+ Other duties as may be assigned from time to time by the company.
**Your Skills and Experiences**
+ Bachelor's degree in Finance/Accounting, or equivalent combination of education and experience.
+ 2+ Years of credit risk qualification experience including financial statement analysis
+ Strong Financial Statement Analysis skills
+ General analytical skills
+ Organized, detail-oriented, hands-on, and a team player.
+ Self-motivated and ability to think in different ways about a single challenge.
+ Ability to follow through on all required tasks and within the prescribed deadlines.
+ Excellent communications skills in English both written and oral.
+ Additional knowledge of languages is a Plus.
**Good Reasons to Join**
We want to be the best company to work for + with. In collaboration with your team members, you will drive delivery of customer excellence + operational efficiency in processes. You provide unbiased financial insights, flag any potential risks + intervene to mitigate these risks. In close partnership with the business, you will establish a well-functioning business controlling mechanism in relation to account payable for the region. On a regular basis, you consult with key stakeholders to review progress, ensuring a focus on continuous improvement + high quality work processes while meeting service level agreements. Finally focus on best-in-class processes for better efficiencies + improved financial performance of the company. We offer you a challenging position in a vibrant work environment where development and progress are a priority. Additional to opportunities for professional learning, you will learn to work with cutting-edge IT systems.
**About Kuehne+Nagel**
With over 79.000 employees at some 1,300 locations in over 100 countries, the Kuehne+Nagel Group is one of the world's leading logistics companies.
As an employer, Kuehne+Nagel stands for equal opportunity and we are committed to diversity in our teams. We believe that you can make a valuable contribution to Kuehne+Nagel and look forward to receiving your application.
CONTACT
Juneva Rojas

Kuehne + Nagel is an equal employment/affirmative action employer. If you require an accommodation for any part of the online application process due to a disability, please contact the Employee Services HR Help Desk at 1- during the hours of 8:00am - 5:00pm EST; Monday through Friday or via e-mail at: with the nature of your request. We will answer your inquiry within 24 hours.

We live in an increasingly complex world. Companies these days are either born global or are going global at record speed. Business and geopolitics are forging an entirely new dynamic and consumers now expect financial services to be a seamless part of their digital lives. **Citi** is a bank that's uniquely positioned for this moment. Through our vast global network and our on-the-ground expertise, we can connect the dots, anticipate change and empathize the needs of our clients and customers in ways that other banks simply cannot.
We're currently looking for a high caliber professional to join our team as **Senior Credit Risk Officer, VP - (Underwriting)** based in Manila, PHL.
This role is part of the Commercial Lending Management Unit that falls under the Institutional Credit Management (ICM) umbrella. ICM is an in-business, first line of defense (1LoD) function within Citi, dedicated to end-to-end wholesale credit risk (WCR) management. ICM covers numerous products, clusters and lines of businesses (LoBs) - all while providing the controls and support necessary to help reduce Citi's risks.
The **Senior Credit Risk Officer, VP - (Underwriting)** is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
**Responsibilities:**
+ Assess quality of assigned portfolios, including identification and evaluation of emerging risks
+ Assess effectiveness of the credit risk processes and standards of assigned entities to promote leading practices and identify opportunities for improvements
+ Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite framework for the assigned portfolios
+ Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
+ Assess business/risk staffing models to ensure appropriate resources for assigned entities
+ Ensure that Corrective Action Plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from Fundamental Credit Risk Reviews or Business Monitoring.
+ Ensure that Fundamental Credit Risk documents including the Credit Assessment Documents and the Fundamental Credit Review Reports meet quality and consistency standards
+ Keep Fundamental Credit Risk senior management informed of any concerns and/or emerging risks that may jeopardize their Review Entities.
+ Significant impact on the area through complex deliverables.
+ Provides advice and counsel related to the technology or operations of the business.
+ Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
+ Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
+ Demonstrate Quality Assurance activities as Subject Matter Expert
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 6-10 years relevant experience
+ Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
+ Exercises wide degree of latitude and discretion.
**Education:**
+ Bachelor's/University degree, Master's degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
_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._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.