Job Description

As a Senior Credit Risk Officer, Vice President, you will own credit risk analysis and underwriting for a portfolio of corporate banking relationships across Singapore, Thailand, and Vietnam, shaping how Citi assesses and manages institutional credit risk across ASEAN. You will apply a holistic view of credit, risk, industry trends, policy, and business dynamics to deliver accurate, well-reasoned risk assessments that support complex client transactions and protect Citi's credit portfolio. This individual contributor role sits within Citi's Institutional Credit Management function, the first line of defense for credit risk across the firm's wholesale businesses.

Responsibilities

• Serve as the credit risk officer for a portfolio of corporate banking relationships across Singapore, Thailand, and Indonesia, owning continuous credit monitoring.
• Draft comprehensive Credit Approval Memos that capture financial analysis, due diligence findings, and risk ratings to support underwriting decisions.
• Conduct financial analysis, projection modeling, and stress testing to evaluate borrower creditworthiness and transaction risk.
• Lead annual and quarterly credit reviews, ad-hoc transaction assessments, and portfolio and industry reviews in partnership with Banking and Risk teams.
• Apply leading credit underwriting practices across the full credit lifecycle, from early origination discussions through final credit approval.
• Assess financing structures, industry dynamics, and local market conditions to form balanced risk and return judgments.
• Build working relationships with Banking, Risk, Regulators, Internal Audit, and other control functions to support sound credit decisions.
• Contribute to strategic initiatives and projects within Citi's Institutional Credit Management underwriting organization.

Required Qualifications & Skills

• Six to ten years of experience in credit risk, underwriting, or related credit analysis roles.
• Proven ability to assess financing structures, financial statements, and industry data to form credit judgments.
• Working knowledge of global credit risk management standards and practices.
• A holistic understanding of credit, risk, industry trends, policy, and business dynamics.
• Strong verbal and written communication skills, with the ability to present analysis clearly to varied audiences.
• Ability to negotiate and resolve differing viewpoints among stakeholders across business and risk functions.
• Bachelor's degree or equivalent practical experience.

Beneficial Skills & Qualifications

• Deep technical expertise in end-to-end credit analysis and underwriting.
• Familiarity with local markets, regulations, and competitive dynamics across Singapore, Thailand, and Indonesia.
• Experience navigating complex organizational structures across geographies and functions.

What We Offer

Citi invests in the growth and impact of credit risk professionals who shape institutional risk decisions across global markets.

• Work in a hybrid model with 3 days in the office and 2 days working remotely each week.
• Collaborate with credit, risk, and banking professionals across Southeast Asia and globally.
• Build deep expertise in credit underwriting through exposure to complex, cross-border transactions.
• Access ongoing learning and development programs to strengthen credit and risk skills.
• Benefit from programs supporting financial wellbeing, physical health, and family needs.
• Shape credit decisions that directly influence Citi's institutional risk portfolio.

Apply today to shape institutional credit decisions that protect Citi's portfolio across Southeast Asia.

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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.

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.

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