Banking, Commercial Banking, Full-Time Analyst, Houston - US, 2027

Citi • Houston, TX

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 strives to bring in the best and brightest talent and support them as they develop into the next generation of commercial banking leaders globally. The program starts in July and begins with in-depth training, combining formal training with hands-on experience. There will be ongoing sales, credit, product, technology, and professional skills training throughout the program along with a robust junior and senior mentorship structure. By the conclusion of the Program, analysts will have thorough experience with and a strong understanding of the CCB target market, value proposition, and client coverage model; how bankers interact with clients and identify their needs; various credit product types and how these solutions best fit client needs; the commercial loan underwriting process, including loan structuring and documentation; the end-to-end credit process including new origination of credit and the monitoring of an assigned credit portfolio; engaging with clients, prospects, and centers of influence; and Citi credit and regulatory policies and procedures. The role of Coverage team members is to serve as a thought partner to clients, working closely with them to deliver the full breadth of Citi’s solutions to help them fund their operations and expand both locally and overseas. Analysts play a critical role in meeting the needs of clients and prospects.

Requirements

• Strong analytical and problem-solving skills
• 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

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