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About the Role

Citi is seeking a commercially minded Associate for its Digital, Technology & Communications Commercial Banking team in a front-office coverage role. This position offers the chance to develop core competencies in client management, financial analysis, and credit risk assessment while working alongside senior bankers on significant transactions within the Tech and Communications sector. It's an opportunity to gain practical expertise quickly, contribute to live deal execution, and grow within a leading global bank.

Responsibilities

Support senior bankers in managing existing and developing new client relationships, acting as a reliable point of coordination across active mandates.
Lead financial analysis and complex financial modeling across the full transaction lifecycle, from initial credit assessment through to deal execution and closing.
Conduct credit risk evaluations for new and existing clients, performing due diligence to support informed lending decisions on credit extensions.
Collaborate with internal teams across Loan Structuring, Syndications, Treasury, Trade Services, and operations to deliver integrated financial solutions to clients.
Research companies and analyze industry dynamics within the Digital, Technology & Communications sector to identify emerging trends, risks, and opportunities.
Assess risk considerations in business decisions, ensuring client activities align with applicable laws, regulations, and firm policies while maintaining the highest standards of ethical conduct.
Escalate and report control issues with transparency, safeguarding the firm's reputation and assets through sound commercial judgment.

Requirements

A minimum of 3 years of professional experience in banking, financial services, or a related field.
Demonstrated proficiency in financial modeling and financial data analysis, applied to real transactions or client mandates.
Ability to produce high-quality presentations that communicate complex financial information clearly to senior stakeholders and clients.
Strong analytical and problem-solving capabilities, with the ability to work through ambiguous situations and reach well-reasoned conclusions.
Advanced fluency in Microsoft Excel, PowerPoint, Word, and Access as core working tools.
Commitment to obtaining Series 63 and Series 79 licenses, and passing the SIE examination, within 150 days of joining.
Bachelor's degree or equivalent university-level qualification.

Skills

Financial modeling
Financial data analysis
Presentation skills
Analytical skills
Problem-solving skills
Microsoft Excel
Microsoft PowerPoint
Microsoft Word
Microsoft Access
Middle market banking
Client-facing experience
Digital, Technology & Communications sector knowledge

Location

San Francisco California United States

Work Type

Hybrid
Full time

Experience Level

Associate

Education Level

Bachelor's degree or equivalent university-level qualification

Salary/Compensations

$130,000.00 - $145,000.00

Benefits

Discretionary and formulaic incentive and retention awards
Medical coverage
Dental coverage
Vision coverage
401(k)
Life insurance
Accident insurance
Disability insurance
Wellness programs
Paid time off packages
Planned time off (vacation)
Unplanned time off (sick leave)
Paid holidays

About the Company

Citi is a leading global bank.
Citi's Commercial Banking team offers a high-performing environment where analytical contributions shape client outcomes.
The team provides structured training, senior mentorship, and cross-functional exposure.
Citi offers access to a global network and cross-functional teams.
Citi provides a clearly defined career path within Commercial Banking.
Citi offers wellbeing and financial benefit programs, alongside localized support resources.

Equal Opportunity

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.
Reasonable accommodation is available for persons with disabilities to use search tools and/or apply for a career opportunity.
Citi's EEO Policy Statement and Know Your Rights poster are available.