Citi’s Commercial Bank (“CCB”) is looking for Full-Time Associates 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.

The Commercial Associate role is an entry level position at Citi, the Associate receives a foundation of knowledge and training required to contribute as a valuable resource in Citi. Associates receive real-world work and add value to their teams during their time at Citi.

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.

Associates play a critical role in meeting the needs of our clients and prospects, including:

• 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
• 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
• The CCB target market, value proposition, and client coverage model
• How bankers interact with clients and identify their needs
• The 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
• Citi credit and regulatory policies and procedures