Job Description

Commercial Banking, Summer Analyst, Houston - 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 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.

The 10-week Summer Analyst Program starts in June 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 a credit portfolio
• Engaging with clients, prospects, and centers of influence
• Citi credit and regulatory policies and procedures

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, 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 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 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

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