60 Credit Underwriter jobs in the Philippines

Job Summary:

The Credit Underwriter should establish credit facilities for Institutional Banking accounts to support the group's origination activities. He/she shall prepare timely, accurate and quality credit memos and ensure compliance with credit policies, bank policies, including credit, documentation, operational, and regulatory. He should perform in-depth financial analysis and evaluation of corporate and commercial accounts and assess the account viability and provide appropriate and sound recommendation.

Educational and Professional Background:

• College graduate preferably major in Accounting, Finance, Economics, Business, or similar discipline.
• CPA, CFA, or MBA a plus
• At least 3 to 5 years of experience in corporate credit analysis, financial analysis/modeling and projections gained from a financial institution
• Auditing background a plus but not required

Knowledge and Skills Required:

• Highly analytical, detail oriented, exceptional financial acumen and ethics during the credit evaluation process.
• Must demonstrate knowledge of basic accounting theories, credit principles, lending functions, loan research and general credit policies.
• Must possess excellent organizational skills and with meticulous work habits to accurately evaluate many financial variables and reach appropriate conclusions.

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Job Overview

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM's objective is to provide integrated "end-to-end" credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all ICG wholesale credit businesses including Banking, Capital Markets, and Advisory (BCMA), Global Structured Products, Financings, and Securitizations (GSP-F&S), Treasury & Trade Services (TTS), Markets, and Securities Services (MSS).

The Underwriter covers large and complex relationships within ASEAN (Thailand, Singapore, Malaysia, Vietnam, Philippines and Indonesia) being responsible for all underwriting activities, in partnership with Banking and Risk. This role reports directly to Asia Head for CRM Underwriting

KEY RESPONSIBILITIES:

• Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:
• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums
• Detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources
• Review and approval of Credit Approval Memos (CAM) packages
• Partnering with Front Office on structuring and production of term sheet for new transactions
• Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
• Support ICM Underwriting organization on strategic initiatives/projects as required

SPECIFIC RISK EXPERIENCE:

• Senior credit approval authority covering large and complex underwritings, capital commitments, derivatives with multi-industry experience
• Experience in and exposure to global credit risk management standards
• Ability to understand capital markets products and complex financing and product structures
• Ability to provide strategic insights and strong sensitivity to macro and regulatory issues
• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations

CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP:

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
• Navigates organizational complexity and breaks silos
• Creates and sustains a network of strong partnerships with the business in all segment & geographies and other risk functions
• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
• Proven track record of partnering with global peers in leveraging and implementation of best practices

QUALIFICATIONS:

• 10+ years risk/risk-related credit work experience in banking/financial institutions
• Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
• Demonstrates strong ethics and integrity
• Ability to see the 'big picture' in a complex environment
• Can make decisions under pressure and short timeline
• Excellent verbal & written communication skills. Active listening skills.
• Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies

Education:

• 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

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.

Setup and Location: Onsite-Ortigas

Work Schedule: 9:00 AM-6:00 PM (AEST) | 7:00 AM-4:00 PM (PH Time)

Employment Type: Full-time

Ready to do work that actually excites you?We're looking for a Credit Underwriter & Loan Processing Associate to take on a dynamic dual role. You'll assess the creditworthiness of borrowers, make sound credit recommendations, and ensure loan applications move seamlessly from submission to settlement. At the same time, you'll provide hands-on support to brokers, collaborating closely to process applications efficiently while maintaining compliance with Australian lending regulations. This role blends technical expertise with broker support, making sure clients enjoy a smooth lending experience from start to finish.

What You'll Do

1. Loan Application Review & Assessment:

• Evaluate home loan applications submitted by brokers and directly from customers.
• Assess financial documents, credit reports, and other documents to determine the borrower's creditworthiness and ability to repay their loan.
• Identify potential risks and ensure all loans comply with internal credit policies and regulatory guidelines.

2. Credit Recommendations:

• Make recommendations on loan approvals, conditions, or declines based on risk assessments.
• Work within delegated authority limits and escalate complex or high-risk applications to senior management when necessary.
• Document credit decisions thoroughly, ensuring transparency and compliance with Australian regulations.

3. Broker Support & Loan Processing:

• Review and validate loan applications submitted by brokers and customers, ensuring all required documents are complete and accurate.
• Ensure loan applications are processed within agreed timelines, delivering high-quality service to both brokers and their clients.

4. Collaboration & Stakeholder Management:

• Collaborate with the credit team, broker support, and other internal team members to resolve any issues during the loan application process.
• Communicate clearly with customers and brokers on additional information requests-initially over email and ultimately over the phone as well.

5. Technology & Financial Comprehension:

• Use internal and external credit scoring systems, financial analysis tools, and loan processing software to enhance efficiency in both underwriting and loan application processing.
• Support the adoption of new technologies that streamline broker submissions and improve borrower experience.

Requirements/ Skills Needed:What You Bring

We're looking for someone who:

• Minimum 3-5 years of experience in credit underwriting and/or loan processing in the Australian home loan market.
• Prior experience working in a broker support role is highly desirable.
• Familiarity with broker-channel lending, including documentation and compliance requirements.
• Strong analytical skills and attention to detail.
• Excellent communication and relationship management skills, particularly when working with brokers and customers.
• Strong English proficiency is a must, and confidence communicating in both written and verbal
• formats with customers and key stakeholders is required.
• Proficiency in loan processing and underwriting software, with prior experience in Infynity, LoanApp,
• and ApplyOnline preferred.
• Ability to work in a fast-paced environment and manage multiple applications simultaneously.
• Ability to work directly with the Australian team and a very fast-paced environment.
• We are a rapidly growing business, so being comfortable utilizing many different technology platforms and general financial competence is critical to keep up with the pace of change in our processes.
• Confidence in communication and cultural alignment with Australian ways of working is important.
• Bachelor's degree in finance, accounting, economics, or related field.

Why You'll Love Working Here

• HMO, Dental, and Life Insurance for you and one free dependent from day one (with the option to enroll additional dependents)
• Paid Leaves: Birthday, Vacation, Medical, and Maternity (up to 6 Vacation Leaves are convertible to cash on your anniversary)
• Employee Engagement Activities: Year-End Party, Family Day, Team Building, and more

Let's Talk

If you're thinking "this sounds like me"-it probably is. Click apply. We can't wait to meet you.

Setup and Location:
Onsite-Ortigas

Work Schedule:
9:00 AM-6:00 PM (AEST) | 7:00 AM-4:00 PM (PH Time)

Employment Type:
Full-time

Ready to do work that actually excites you?
We're looking for a Credit Underwriter & Loan Processing Associate to take on a dynamic dual role. You'll assess the creditworthiness of borrowers, make sound credit recommendations, and ensure loan applications move seamlessly from submission to settlement. At the same time, you'll provide hands-on support to brokers, collaborating closely to process applications efficiently while maintaining compliance with Australian lending regulations. This role blends technical expertise with broker support, making sure clients enjoy a smooth lending experience from start to finish.

What You'll Do
1. Loan Application Review & Assessment:

• Evaluate home loan applications submitted by brokers and directly from customers.
• Assess financial documents, credit reports, and other documents to determine the borrower's creditworthiness and ability to repay their loan.
• Identify potential risks and ensure all loans comply with internal credit policies and regulatory guidelines.

2. Credit Recommendations:

• Make recommendations on loan approvals, conditions, or declines based on risk assessments.
• Work within delegated authority limits and escalate complex or high-risk applications to senior management when necessary.
• Document credit decisions thoroughly, ensuring transparency and compliance with Australian regulations.

3. Broker Support & Loan Processing:

• Review and validate loan applications submitted by brokers and customers, ensuring all required documents are complete and accurate.
• Ensure loan applications are processed within agreed timelines, delivering high-quality service to both brokers and their clients.

4. Collaboration & Stakeholder Management:

• Collaborate with the credit team, broker support, and other internal team members to resolve any issues during the loan application process.
• Communicate clearly with customers and brokers on additional information requests—initially over email and ultimately over the phone as well.

5. Technology & Financial Comprehension:

• Use internal and external credit scoring systems, financial analysis tools, and loan processing software to enhance efficiency in both underwriting and loan application processing.
• Support the adoption of new technologies that streamline broker submissions and improve borrower experience.

Requirements

What You Bring
We're looking for someone who:

Requirements/ Skills Needed:

• Minimum 3-5 years of experience in credit underwriting and/or loan processing in the Australian home loan market.
• Prior experience working in a broker support role is highly desirable.
• Familiarity with broker-channel lending, including documentation and compliance requirements.
• Strong analytical skills and attention to detail.
• Excellent communication and relationship management skills, particularly when working with brokers and customers.
• Strong English proficiency is a must, and confidence communicating in both written and verbal
• formats with customers and key stakeholders is required.
• Proficiency in loan processing and underwriting software, with prior experience in Infynity, LoanApp,
• and ApplyOnline preferred.
• Ability to work in a fast-paced environment and manage multiple applications simultaneously.
• Ability to work directly with the Australian team and a very fast-paced environment.
• We are a rapidly growing business, so being comfortable utilizing many different technology platforms and general financial competence is critical to keep up with the pace of change in our processes.
• Confidence in communication and cultural alignment with Australian ways of working is important.
• Bachelor's degree in finance, accounting, economics, or related field.

Benefits

Why You'll Love Working Here

• HMO, Dental, and Life Insurance for you and one free dependent from day one (with the option to enroll additional dependents)
• Paid Leaves: Birthday, Vacation, Medical, and Maternity (up to 6 Vacation Leaves are convertible to cash on your anniversary)
• Employee Engagement Activities: Year-End Party, Family Day, Team Building, and more

Let's Talk
If you're thinking "this sounds like me"—it probably is. Click apply. We can't wait to meet you.

JOB SUMMARY

• Oversee employees, consultant, subsidiaries and vendor's compliance with ISPP

regarding the security of the Bank's information assets;

• Monitor the adequacy and effectiveness of the systems of internal control to ensure

that the systems minimize operations risk and identify exposures while the

consequences are still avoidable;

• Provide effective assessment of risks to ensure the soundness of information

technology; and

• Provide consulting activity to improve the risk management process of the

organization.

JOB DESCRIPTION

• Maintain a good working relationship with unit management and meets with Group

Heads or senior Bank management to explain information pertaining to adequacy,

effectiveness and efficiency of internal control systems to mitigate the risks identified.

• Develop and maintain key relationship with professional associations and /or individuals to exchange information on unusual or emerging technical issues and risk engines.
• Facilitate periodic risk assessment following the ACES and ISRA methodologies of the bank information assets.
• Conduct or review complex or specialized risk assessment of functions, identifies and evaluate risk concerns, recommend mitigating controls and report summary information deficiencies of business and operating units
• Recommends strategies and programs in relation to the Bank's Information Security
• Provide consulting activities to business and operating units on IT risks and information security issues covering Bank's processes, operating policies and procedures.
• Ensure adequacy and relevance of Information Security Policies and Procedures.
• Oversee user's adherence to security policy and report breaches to the appropriate authority
• Develop or enhance the risk assessment program on information security and privacy matter
• Develop and provide continuing education and advisory on information security and privacy matters for Bank personnel
• Participate in the Business Continuity Planning
• Assist in facilitating the vulnerability assessment and penetration testing exercises conducted by third party consultants and monitor resolution.
• Ensure timely resolution of internal and regulatory findings.
• Keep abreast of latest information security and privacy regulations and vulnerabilities and new and emerging security technology
• Prepare, assist and gather information for management or BROC reporting

JOB QUALIFICATION

• At least 5-7 years of professional experience in Information Security, IT Risk Management, or related fields.
• Minimum 2 - 3 years in a supervisory or leadership role managing risk assessments, audits, or compliance activities.
• Strong knowledge of information security frameworks (NIST CSF, ISO 27001, CIS Controls)
• Proficiency in risk management methodologies such as ISRA, RCSA, and SASRA, including risk registers and heatmaps.

GENERAL RESPONSIBILITIES

• Perform risk assessment for in-flight projects and identify potential risks and make recommendations to address the risks and ensure compliance with cybersecurity standards and best practices.
• Collaborate with project managers, proponents, and members of the project team on the security requirements and risk mitigation strategies.
• Ensure timely response and delivery of quality security assessment reports
• Monitor, track and report (SLOs) Service Level Objectives
• Track risk mitigation completion performed by the project members
• Facilitate risk acceptance review and approval process of security requirements that cannot be implemented or complied in time for production.
• Keep abreast on emerging threats and vulnerabilities to evaluate potential risks applicable to the organization.
• Provide mentorship, guidance and supervision to a pool of Risk Assessment analysts.
• Continuous improvement on risk assessment processes
• Provide support requirements for the assessment and implementation of risk management tools ex: GRC (Governance, Risk, and Compliance), Risk Assessment and Third Party Risk Management Tools, etc.

TECHNICAL COMPETENCIES

• Knowledge in operating systems and networking
• Knowledge in cloud environment is desirable.
• Knowledgeable on IT security domains based on industry standards ex: NIST Cybersecurity Framework, ISO /2, CIS (Center for Internet Security), etc.
• Risk based approach and methodology on security assessments
• Some experience in project management
• Basic understanding of threat modeling ex: STRIDE and similar

QUALIFICATIONS

• Bachelors degree in Computer Science, Engineering, Information Technology, etc. or Accountancy
• Four to five years work experience in Security Risk Management, IT (Information Technology) Technical Audit, or IT (Information Technology) Security and Solutioning
• Has excellent verbal and written communication skills.
• Has good presentation skill.
• Exhibits critical thinking.
• Strong leadership skills
• Any relevant Cyber Security certifications is preferred ex: CISSP, CISM, CISA, CRISC, ISO27000, and similar.
• Other relevant technical certification would also be an advantage.

GENERAL RESPONSIBILITIES

• Perform risk assessment for in-flight projects and identify potential risks and make recommendations to address the risks and ensure compliance with cybersecurity standards and best practices.
• Collaborate with project managers, proponents, and members of the project team on the security requirements and risk mitigation strategies.
• Ensure timely response and delivery of quality security assessment reports
• Monitor, track and report (SLOs) Service Level Objectives
• Track risk mitigation completion performed by the project members
• Facilitate risk acceptance review and approval process of security requirements that cannot be implemented or complied in time for production.
• Keep abreast on emerging threats and vulnerabilities to evaluate potential risks applicable to the organization.
• Provide mentorship, guidance and supervision to a pool of Risk Assessment analysts.
• Continuous improvement on risk assessment processes
• Provide support requirements for the assessment and implementation of risk management tools ex: GRC (Governance, Risk, and Compliance), Risk Assessment and Third Party Risk Management Tools, etc.

TECHNICAL COMPETENCIES

• Knowledge in operating systems and networking
• Knowledge in cloud environment is desirable.
• Knowledgeable on IT security domains based on industry standards ex: NIST Cybersecurity Framework, ISO /2, CIS (Center for Internet Security), etc.
• Risk based approach and methodology on security assessments
• Some experience in project management
• Basic understanding of threat modeling ex: STRIDE and similar

QUALIFICATIONS

• Bachelors degree in Computer Science, Engineering, Information Technology, etc. or Accountancy
• Four to five years work experience in Security Risk Management, IT (Information Technology) Technical Audit, or IT (Information Technology) Security and Solutioning
• Has excellent verbal and written communication skills.
• Has good presentation skill.
• Exhibits critical thinking.
• Strong leadership skills
• Any relevant Cyber Security certifications is preferred ex: CISSP, CISM, CISA, CRISC, ISO27000, and similar.
• Other relevant technical certification would also be an advantage.

Do you want to take the first step in making Filipinos' lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation G ka ba? Join the G Nation today

• ROLES AND RESPONSIBILITIES A. Does (The tasks / responsibilities that the role performs to address requirements in Key Result Areas)
• Assist in the execution of the Institutional Risk Assessment (IRA) process to identify and assess AML risks across business lines.
• Gather and analyze relevant data to support risk assessments and help determine inherent and residual risks.
• Contribute to the development and application of risk scoring tools and models.
• Support periodic reviews and updates of the IRA framework to align with regulatory requirements and internal changes.
• Coordinate with business units and control owners to gather input and validate risk information.
• Prepare risk summaries, dashboards, and reports for internal stakeholders and regulatory submissions.
• Monitor regulatory changes and assist in updating risk factors and control evaluations accordingly.
• Help identify control gaps and recommend enhancements to mitigate identified AML risks.
• Assist in preparing documentation for internal audits, regulatory exams, and board presentations.

What We Offer
Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package

Do you want to take the first step in making Filipinos' lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation G ka ba? Join the G Nation today

• Develops a complete understanding of a company's technology and information systems.
• Identify and communicate current and emerging cybersecurity and fraud threats and risks that are relevant to GCASH.
• Design cybersecurity and fraud management architecture elements for GCASH to mitigate threats as they emerge.
• Plan, research and design robust cybersecurity and fraud management architectures for demands of GCASH
• Understands the business direction, threat landscape globally and regionally for the Fintech Industry.
• Collaborates with product teams and business to understand the business direction and anticipating Security and Fraud Risks relevant to whatever the direction business is moving towards.
• Formulates the new cybersecurity and fraud management blueprints to ensure business is able to pursue the plans at the same time managing the risks for GCASH.
• Conducts research on Emerging Technologies and their evolving threats to be used for the Threat Modeling process.)
• Creates and maintains Fraud and Security Blueprints for emerging and existing technology and information systems.
• Communicate the new Fraud and Security Blueprints to relevant teams/groups pervasively within GCASH.
• Responds to, and investigates, cybersecurity and fraud incidents and provides thorough post-event analyses in collaboration with the ISDP GGSOC team.
• Reviews current system cybersecurity and fraud measures and decides and oversees implementation of enhancements for GCASH.
• Receives escalation from Fraud and Security Consultants handling FSR and assess validity of escalations and assess potential controls to address the escalations.
• Regularly communicates vital information, cybersecurity and fraud management needs and priorities to upper management.

What We Offer
Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package