Citigroup Inc.
Banking - Commercial Banking, Summer Analyst, San Francisco - US , 2026
Citigroup Inc., San Francisco, California, United States, 94199
Overview
You’re the brains behind our work. Citi’s Commercial Bank (CCB) is looking for Summer 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 Summer 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. Program duration and training The 10-week Summer Analyst Program starts in June and begins with in-depth training. There is a combination of formal training and hands-on experience to help you ramp up quickly, with ongoing sales, credit, product, technology, and professional skills training throughout the program. A robust junior and senior mentorship structure supports your professional development. 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 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 a credit portfolio
Engaging with clients, prospects, and centers of influence
Citi credit and regulatory policies and procedures
We provide you with the knowledge and skills you need to succeed. You will join a Coverage team for the duration of the Program, working directly with Relationship Managers on a portfolio of clients and interfacing with teams across the firm. The role of Coverage team members is to serve as a thought partner to our clients, delivering Citi’s full breadth of 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 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, including 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, partnering with Bankers and Product teams to determine which products to leverage 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
We want to hear from you if:
You are a dynamic individual who is passionate about partnering with stakeholders to achieve goals
You have strong analytical and problem-solving skills
You are majoring in Finance or Accounting, or have experience in Financial Services through clubs or internships
You are on track to graduate with a bachelor’s degree in winter 2026 or spring 2027
You have obtained a preferred GPA of 3.5 or above
You are proficient with MS Word, Access, Excel, and PowerPoint
You will not require sponsorship for U.S. Work Authorization now or in the future
Annual Salary $100,000
Additional information
Job Family Group: Management Development Programs
Job Family: Intern
Time Type: Full time
Primary Location: San Francisco, California, United States
Primary Location Full Time Salary Range: $95,000.00 - $130,000.00
In addition to salary, Citi’s offerings may include incentive and retention awards. Citi offers benefits including medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off. Availability may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills Please see the requirements listed above.
Anticipated Posting Close Date:
Sep 18, 2025
Citi is an equal opportunity employer. Qualified candidates receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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You’re the brains behind our work. Citi’s Commercial Bank (CCB) is looking for Summer 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 Summer 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. Program duration and training The 10-week Summer Analyst Program starts in June and begins with in-depth training. There is a combination of formal training and hands-on experience to help you ramp up quickly, with ongoing sales, credit, product, technology, and professional skills training throughout the program. A robust junior and senior mentorship structure supports your professional development. 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 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 a credit portfolio
Engaging with clients, prospects, and centers of influence
Citi credit and regulatory policies and procedures
We provide you with the knowledge and skills you need to succeed. You will join a Coverage team for the duration of the Program, working directly with Relationship Managers on a portfolio of clients and interfacing with teams across the firm. The role of Coverage team members is to serve as a thought partner to our clients, delivering Citi’s full breadth of 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 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, including 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, partnering with Bankers and Product teams to determine which products to leverage 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
We want to hear from you if:
You are a dynamic individual who is passionate about partnering with stakeholders to achieve goals
You have strong analytical and problem-solving skills
You are majoring in Finance or Accounting, or have experience in Financial Services through clubs or internships
You are on track to graduate with a bachelor’s degree in winter 2026 or spring 2027
You have obtained a preferred GPA of 3.5 or above
You are proficient with MS Word, Access, Excel, and PowerPoint
You will not require sponsorship for U.S. Work Authorization now or in the future
Annual Salary $100,000
Additional information
Job Family Group: Management Development Programs
Job Family: Intern
Time Type: Full time
Primary Location: San Francisco, California, United States
Primary Location Full Time Salary Range: $95,000.00 - $130,000.00
In addition to salary, Citi’s offerings may include incentive and retention awards. Citi offers benefits including medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off. Availability may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills Please see the requirements listed above.
Anticipated Posting Close Date:
Sep 18, 2025
Citi is an equal opportunity employer. Qualified candidates receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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