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 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. Required Qualifications & Skills 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. 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, giving you flexibility without sacrificing team connection and collaboration. Structured onboarding and ongoing learning programs 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. Wellbeing and financial benefit programs, alongside localized support resources tailored to your market. Job Family Group Management Development Programs Job Family Graduate Time Type Full time Primary Location San Francisco California United States Primary Location Full Time Salary Range $130 000,00 - $145 000,00 Benefits 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 ago 17, 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 Equal Employment 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. Accessibility 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. EEO Policy View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr Citi