Associate

Excited to grow your career? Our people make all the difference in our success. Asset-Backed Securitization & Financing (“ABS&F”) structures and executes Asset-Backed Securitizations (ABS) and lending facilities across a wide range of consumer and commercial asset classes including automobile and equipment loans, leases, and floorplan, consumer and commercial credit cards, industrial transportation assets (aviation, rail and containers), student loans, personal loans, SME loans, solar loan and leases, home improvement loans, handset receivables, digital infrastructure and other esoteric asset classes. ABS&F offers our clients the ability to monetize stable, recurring asset cash flows through bankruptcy-remote vehicles. Transactions are executed both in the capital markets (where Citi places the financings with institutional investors) and lending facilities funded through Citi’s commercial paper conduits and balance sheet. ABS&F offers a unique perspective as an underwriter of capital markets transactions, as well as credit analyst for lending transactions. ABS&F also advises clients on balance sheet management, transaction execution and often provides secured financing and advice in conjunction with event driven transactions including M&As and restructurings. Our clients include leading captive and independent financial companies, banks, asset managers, and corporates – both in the US and abroad. Our group regularly collaborates with analytics, trading, sales, syndicate, derivatives, corporate banking and investment banking professionals across the organization. Members of our securitization team are located in various cities around the world including New York, Hong Kong, London and Sydney. Citi is a market leader in both traditional and non-traditional ABS asset classes and is consistently a top ranked practitioner in the market. Associate Role: Our group typically works in small transaction teams (2-4 team members) and seeks a high level of participation and collaboration from all members. The role will be focused within the fintech, subprime auto, and private credit-focused vertical. Associate Responsibilities and Opportunities: Expand your knowledge about fixed income markets, corporate capital structures and securitization markets Associates will work in deal teams to structure and originate transactions for our clients and will be responsible to: Develop rating agency materials and presentations to support the transaction’s ratings Review structuring models and prepare transaction analytics Work with transaction parties (issuer, lawyers and accountants) to develop offering documents Develop materials for the sales and syndication process Respond to investor inquiries and aggregate investor feedback In a lending capacity Analysts will be responsible to: Review performance and risk of assets Conduct diligence on new platforms Assess pricing and benchmark to comparable transactions Assist officers and lawyers with transaction documents Work with colleagues to develop credit materials and facilitate the approval process Facilitate transaction execution with our operations team Monitor transactions on an ongoing basis Associates are encouraged to take a leadership role on projects Lead or participate in client discussions Analyze market trends and relative value of ABS products Develop advanced Excel, PowerPoint and ABS modelling skills Key Skills & Experience: At least 2 years of experience working with ABS transactions Ability to lead lending and ABS structuring transactions Capacity to coordinate and develop junior professionals Detail-oriented, organized and able to work as part of a team Excellent written and verbal communication skills Strong quantitative skills; familiarity with Microsoft Excel required Experience working with large data sets Bachelor’s degree in finance or closely related areas of Business Administration preferred Experience with accounting and financial statement analysis Experience creating financial analyses Ability to manage multiple transactions simultaneously Series 79, 7 and 63 licenses Education: Bachelor’s degree/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. Job Family Group: Institutional Banking Job Family: Investment Banking Time Type: Full time Primary Location: New York New York United States Primary Location Full Time Salary Range: $150,000.00 - $175,000.00 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 Anticipated Posting Close Date: Aug 20, 2026 Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. Illinois residents – AI Notice and Right 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. #J-18808-Ljbffr