Credit Analyst 2 - Financial Institutions

Taguig Philippines
Full-time
Posted Nov 11, 2026

Skills

Compliance
Operations

Job description

As a Credit Analyst, Financial Institutions, you will evaluate the financial strength of banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, directly shaping the credit decisions behind Citi's lending relationships. You will own end-to-end credit analysis, from financial spreading and market research to underwriting and credit memo writing, helping protect Citi's portfolio while supporting client growth across a diverse regional footprint. This role offers broad exposure to international markets and a clear path to build specialized credit and risk expertise.

Responsibilities

•Analyze financial trends, performance indicators and client data for banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, and present findings to the underwriting team for credit decisioning.

•Perform financial statement spreading using the Credit Platform to build accurate borrower profiles.

•Identify early warning signals of client risk through ongoing portfolio monitoring.

•Review client financial statements periodically to track evolving credit risk.

•Monitor compliance with financial covenants and borrowing base credit facility requirements.

•Conduct end-to-end credit underwriting, including market and industry analysis, and write credit memos that support lending decisions.

•Join underwriting managers on client site visits to strengthen understanding of borrower operations.

•Maintain compliance with Citi policies and escalate control issues with transparency to protect Citi's assets and reputation.

Required Qualifications & Skills

•2-5 years of experience in credit analysis within a financial institution.

•Hands-on proficiency with financial spreading software.

•Experience across underwriting, financial spreading, market analysis and industry analysis.

•Proven ability to write credit memos that support lending decisions.

•Skilled at analyzing data to compare program results against expectations.

•Ability to develop credit strategies and criteria based on data insights.

•Bachelor's degree or equivalent professional experience.

What We Offer

Joining Citi's Financial Institutions credit team gives you exposure to a diverse portfolio of banking, insurance and fintech clients across multiple markets, backed by the scale and resources of a global bank.

•Work in a hybrid model with 3 days in the office and 2 days working remotely each week.

•Build credit analysis expertise across diverse markets including ANZ, ASEAN and Korea.

•Access structured learning and development programs to grow your credit and risk expertise.

•Collaborate with underwriting managers and cross-border teams on a global platform.

•Access wellbeing resources and programs that support work-life balance.

•Benefit from financial wellbeing resources and family support programs.

Apply now to build your credit analysis career across some of the world's most dynamic financial institution markets.

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Job Family Group:

Risk Management ------------------------------------------------------

Job Family:

Credit Risk ------------------------------------------------------

Time Type:

Full time ------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. ------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------

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