Banking, Commercial Banking, Full-Time Analyst, San Francisco - US, 2027

Citi • San Francisco, CA

1d • Onsite

About The Position

Citi’s Commercial Bank (“CCB”) is looking for Full-Time Analysts to join their team. The Commercial Banking division works with businesses with annual sales ranging from $10 million to more than $3 billion. The Commercial Banking Team works to find ways for clients to maximize their growth while taking full advantage of Citi’s banking products, including deposit and lending, cash management, trade, FX (foreign exchange) and capital markets solutions. The Full-Time Analyst Program aims to recruit and develop top talent into the next generation of commercial banking leaders globally. The program includes formal training and hands-on experience, ongoing sales, credit, product, technology, and professional skills training, and mentorship. Analysts will gain experience in the CCB target market, client interaction, credit product types, the commercial loan underwriting process, and the end-to-end credit process. The role of Coverage team members is to serve as a thought partner to clients, working closely with them to deliver Citi’s solutions to help them fund operations and expand locally and overseas. Analysts play a critical role in meeting client and prospect needs by conducting company research, industry analysis, analyzing financial data, performing financial modeling, supporting the commercial lending process, taking ownership of the client experience, and playing a role in deal management and client presentation preparation. They will also interact with partners across the firm, including product, credit risk, in-business controls, legal, marketing, operations, risk, compliance, and technology teams.

Requirements

• Majoring in Finance, Economics or Accounting.
• On track to graduate with a bachelor’s degree in December 2026 or May/June 2027
• Obtained a preferred GPA of 3.5 or above
• Proficient user of MS Word, Access, Excel, and PowerPoint
• Will not require sponsorship for U.S. Work Authorization now or anytime in the future

Nice To Haves

• Dynamic individual who is passionate about partnering with stakeholders to achieve goals
• Strong analytical and problem-solving skills

Responsibilities

• Conducting company research and industry analysis
• Analyzing financial data and performing financial modeling focused on company valuations, discounted cash flow analysis, and pro-forma analyses
• Supporting the commercial lending process, which includes secured and unsecured revolving lines of credit, term loans, syndicated loans, leveraged loans, cross-border loans approved locally and extended overseas through the CCB’s global network of 26 countries
• Taking ownership of the client experience, including partnering with Bankers and Product teams to determine which products to leverage in order to help clients achieve their goals
• Playing a role in deal management and client presentation preparation, including creating business development presentations, pitch books, prospect memos, and other client-related decks
• Interacting with partners across the firm, including product, credit risk, in-business controls, legal, marketing, operations, risk, compliance, and technology teams

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level