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Citi Logo Citi · Banking

Credit Analyst 2

Philippines, City of Taguig, Metro Manila · Job Posted March 13, 2026
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Job Description

The Credit Analyst 2 is a developing professional role in Citi Commercial Bank – Commercial Lending Management. 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. 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.

Job Responsibility

  • Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines
  • Provide succinct analysis based on customers, peers, the portfolio, and the industry
  • Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
  • Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
  • Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
  • Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
  • Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
  • May act as an industry specialist with responsibility for SBA/EXIM loan analysis
  • Appropriately assess risk when business decisions are made

Requirements

  • 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
  • Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
  • Bachelor’s/University degree or equivalent experience

What we offer

  • Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
  • Expanded Paid Parental Leave Policy
  • Resources to manage financial well-being and help plan for the future
  • Access to an array of learning and development resources
  • Generous paid time off packages
  • Resources and tools to volunteer in the communities
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