About this role
Citibank, N.A. seeks a Spread Products Banking Associate for its New York, NY location.
DUTIES: Conduct credit monitoring across commercial real estate balance sheet positions through detailed financial analysis, credit metric calculations, updated underwriting, market research, and evaluation of financial conditions, ongoing performance evaluations, and proactive portfolio surveillance. Analyze the portfolio by maintaining and continuously enhancing internal databases to generate models, charts, and analytical outputs that synthesize data into actionable insights and recommendations designed to improve deal management, financial performance, and business reporting, planning, and analysis. Utilize database management skills, including an understanding of programming, SQL, and data structures to improve data organization and streamline workflows. Organize and prepare comprehensive quarterly and annual portfolio and loan review materials and presentations for senior management across the business, ICM, and risk teams. Integrate and generate both quantitative and qualitative analysis, deal level credit performance indicators, and portfolio level summaries. Monitor key global CRE business limits and profit and loss (P&L). Conduct ad hoc analyses for senior management, auditors, and regulators, including exposure analysis, custom charting and visualizations, and other specialized portfolio analytics as needed. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite in accordance with Citi policies and protocols.
REQUIREMENTS: Bachelor’s degree, or foreign equivalent, in Finance, Computing and Data Science, Business Administration or a related field, and two (2) years of experience in the job offered or in a related finance occupation evaluating P&L, financial analysis, financial performance, and assessing credit risk and debt structures. Two (2) years of experience must include: Applying financial analysis techniques to evaluate performance, assess credit risk, and analyze debt structures, including credit monitoring, credit metric calculations, updated underwriting models, market research, and evaluation of ongoing performance; Handling and calculating profit and loss (P&L) at a financial institution; Interpreting legal and regulatory documentation with exposure to legal language and regulations; Analyzing and supporting financial data using database management, and performing programming in SQL, and data structures; and Preparing comprehensive written and analytical materials, including presentations, informational tables, and custom charting and visualizations, to support deliverables for clients, and stakeholders. 40 hrs./wk. Applicants submit resumes at the Citi careers site. Please reference Job ID #261001047.
Wage Range: $160,000.00 to $175,000.00
Job Family Group: Institutional Banking
Job Family: Investment Banking
Time Type: Full time
Primary
Location
New York New York United States
Salary Range:
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
Wholesale Lending Operations Management.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Dec 21, 2026