Associate, Commercial Banking — Digital, Tech & Comms

Citi is looking for a commercially minded Associate to join its Digital, Technology & Communications Commercial Banking team in a front‑office coverage role. In this position, you will develop core competencies in client management, financial analysis and credit risk assessment while working directly alongside senior bankers on meaningful transactions across the Tech and Communications sector. This is an opportunity to build real‑world expertise fast, contribute to live deal execution from day one, and grow within one of the world’s leading global banks. 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. Lead financial analysis and financial modeling across the full transaction lifecycle, from initial credit assessment to deal execution and closing. Research companies and analyse 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. Required Qualifications & Skills A minimum of 3 years of professional experience in banking, financial services or a related field. Demonstrated proficiency in financial modelling 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 licences and passing the SIE examination within 150 days of joining. Bachelor’s degree or equivalent university‑level qualification. Beneficial Skills & Qualifications Prior experience in middle‑market banking, with an understanding of the credit and structuring needs of mid‑sized corporate clients. Direct client‑facing experience in a banking or financial advisory context, with the ability to build credibility and manage relationships independently. Familiarity with the Digital, Technology & Communications sector, including awareness of key business models, growth drivers and risk considerations relevant to tech companies. What We Offer A hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility without sacrificing team connection and collaboration. Structured onboarding and ongoing learning programmes designed to accelerate your development as a commercial banking professional. Direct exposure to senior bankers and live client mandates from the outset, with opportunities to take on meaningful responsibility as your skills grow. Access to Citi’s global network and cross‑functional teams, broadening your understanding of integrated financial solutions beyond a single product line. A clearly defined career path within Commercial Banking, with recognition tied to performance and client impact. Well‑being and financial benefit programmes, alongside localised support resources tailored to your market. Apply now to join Citi’s Digital, Technology & Communications Commercial Banking team and build your career at the intersection of finance and one of the most dynamic sectors in the global economy. Salary: $130,000 – $145,000. 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 and vision coverage; 401(k); life, accident and disability insurance; and wellness programmes. 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. Citi is an equal‑opportunity employer, and qualified candidates will receive consideration without regard to race, colour, 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 Citigroup Inc.