Citi
Banking, Commercial Banking, Full Time Analyst, San Francisco - US, 2026
Citi, San Francisco, California, United States, 94199
Citi’s Commercial Bank 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.
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 24-month Full-time Analyst Program starts in July and begins with in-depth training.
Program Overview
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 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 Role and Responsibilities
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, 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 Requirements
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, Economics or Accounting. You are on track to graduate with a bachelor’s degree in December 2025 or May/June 2026 You have obtained a preferred GPA of 3.5 or above You are a proficient user of MS Word, Access, Excel, and PowerPoint You will not require sponsorship for U.S. Work Authorization now or anytime in the future 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.
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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 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 Role and Responsibilities
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, 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 Requirements
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, Economics or Accounting. You are on track to graduate with a bachelor’s degree in December 2025 or May/June 2026 You have obtained a preferred GPA of 3.5 or above You are a proficient user of MS Word, Access, Excel, and PowerPoint You will not require sponsorship for U.S. Work Authorization now or anytime in the future 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.
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