Commercial Associate, Natural Resources (Energy) Mid-Corporate Banking

We are seeking a highly motivated Associate for a front-office coverage role on the Natural Resources (Energy) team in Houston. This position is an excellent opportunity for individuals looking to build a career in energy finance. The team covers a mix of public and private North American-based companies, primarily Upstream (E&P) and Midstream Oil & Gas, as well as Power, Utilities, and Clean Energy Transition sectors. The Associate will receive a strong foundation of knowledge and training, gaining real-world experience and adding immediate value to the team. This role focuses on developing core competencies in financial analysis, credit risk assessment, and client management within the dynamic energy industry. Key Responsibilities: Portfolio Management: Cover a portfolio of 10-20 clients in conjunction with deal teams comprised of Analysts, Associates, Vice Presidents, and senior Credit Officers. Transaction Execution: Act as a primary contributor and reviewer in all facets of deal execution, including in-depth financial analysis, complex financial modeling, risk analysis, and due diligence for credit extensions to new and existing clients. Client & Partner Interaction: Support senior bankers in managing client relationships and interact with various internal partners, including Loan Structuring & Syndications, Commodities, Treasury & Trade Services, and various operations functions to deliver integrated financial solutions. Team Development: Assist with the training and professional development of junior Analysts on the team. Industry Analysis: Conduct detailed company research and industry analysis to identify key trends, risks, and opportunities within the energy sector. Risk Management: Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the bank, its clients, and assets. This includes driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. Qualifications: 3-6 years of relevant work experience Theoretical and practical application of financial knowledge to Oil & Gas companies, and the broader Energy industry Strong analytical, quantitative, and problem-solving skills. Proficiency in financial modeling and financial data analysis is required; MS Excel and PowerPoint should be second nature. Excellent written and verbal communication skills. Obtain Series 63 and 79 licenses, and pass SIE, within 150 days of joining Bachelor's/University degree Preferred Qualifications: Formal credit training from a reputable financial institution. Experience with syndicated and leveraged finance transactions. ------------------------------------------------------ Job Family Group: Management Development Programs ------------------------------------------------------ Job Family: Graduate ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Houston Texas United States ------------------------------------------------------ Primary Location Full Time Salary Range: $130 000,00 - $145 000,00 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: jul 09, 2026 ------------------------------------------------------ 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.