Banking, Commercial Banking, Full Time Analyst, San Francisco

Join Citi's Commercial Banking TeamYou're the brains behind our work. Citi's Commercial Bank (CCB) is looking for full-time analysts to join our team. Our Commercial Banking division works with businesses with annual sales ranging from $10 million to more than $3 billion. Our Commercial Banking Team works to find ways for our clients to maximize their growth while taking full advantage of Citi's banking products. That means knowing all about our deposit and lending, as well as our 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.Your time here will look something like this... The 24-month full-time analyst program starts in July and begins with in-depth training. People learn differently, so we combine formal training with a complete hands-on experience to help you quickly ramp up and adapt to your role and the culture at Citi. There will be ongoing sales, credit, product, technology, and professional skills training throughout the program along with a robust junior and senior mentorship structure to help you develop professionally. By the conclusion of the program, you can expect to have thorough experience with and a strong understanding of:The CCB target market, value proposition, and client coverage modelHow bankers interact with clients and identify their needsThe various credit product types and how these solutions best fit client needsThe commercial loan underwriting process, including loan structuring and documentationThe end-to-end credit process including new origination of credit and the monitoring of an assigned credit portfolioEngaging with clients, prospects, and centers of influenceCiti credit and regulatory policies and proceduresWe provide you with the knowledge and skills you need to succeed. The 2-year analyst program starts in July and begins with a 10-week, in-depth training program. After a placement process, based on your interests and our needs, you will be matched with a commercial banking team to work with for the duration of the program. The role of coverage team members is to serve as a thought partner to our 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 our clients and prospects, including:Conducting company research and industry analysisAnalyzing financial data and performing financial modeling focused on company valuations, discounted cash flow analysis, and pro-forma analysesSupporting 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 countriesTaking 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 goalsPlaying a role in deal management and client presentation preparation, including creating business development presentations, pitch books, prospect memos, and other client-related decksInteracting with partners across the firm, including product, credit risk, in-business controls, legal, marketing, operations, risk, compliance, and technology teamsWe want to hear from you if:You are a dynamic individual who is passionate about partnering with stakeholders to achieve goalsYou have strong analytical and problem-solving skillsYou are majoring in finance, economics or accountingYou are on track to graduate with a bachelor's degree in December 2025 or May/June 2026You have obtained a preferred GPA of 3.5 or aboveYou are a proficient user of MS Word, Access, Excel, and PowerPointYou will not require sponsorship for U.S. work authorization now or anytime in the futureAnnual salary $100,000Job Family Group: Management Development ProgramsJob Family: TrainingTime Type: Full timePrimary Location: San Francisco California United StatesPrimary Location Full Time Salary Range: $95,000.00 - $130,000.00In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.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.