Job Description

Banking - Commercial Banking, Summer Analyst, San Francisco - US, 2026

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community, and make a real impact.

Job Overview

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.

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 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

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 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

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 2026 or May/June 2027
• 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

Annual salary $100,000

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 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.

Most relevant skills: Please see the requirements listed above.

Other relevant skills: For complementary skills, please see above and/or contact the recruiter.

Anticipated posting close date: Sep 17, 2025

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. 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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