Spread Products Banking Associate

Citi; New York (NY); Hybrid; USD 160,000 - 175,000; Full time

Benefits offered by this job

Health benefits

Vacation and holidays

Job summary

Citibank, N.A. in New York is seeking a Spread Products Banking Associate to monitor credit across CRE portfolios, perform detailed financial analysis, and develop models and presentations for senior management.

The role requires a finance/business background, 2+ years of relevant experience, and strong SQL/data skills. Telecommuting may be allowed within policy, with a hybrid work arrangement.

Qualifications

• Bachelor’s degree and two years of experience in evaluating P&L, financial analysis, and credit risk.
• Experience with credit monitoring, market research, and updated underwriting models.
• Ability to prepare analytical materials and presentations for senior management.
• Proficiency in SQL and data structures.

Responsibilities

• Monitor CRE portfolio with financial analysis and credit metrics.
• Develop models, charts, and reports for senior management.
• Enhance data organization through SQL and databases.
• Prepare quarterly and annual portfolio reviews.
• Support risk, ICM and regulatory stakeholders.

Skills

Credit monitoring

Credit risk analysis

P&L analysis

Financial analysis

SQL programming

Data structures

Market research

Underwriting models

Regulatory docs

Education

Bachelor’s degree or foreign equivalent in Finance or related field

Tools

SQL

Database management

Job description

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

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. EO Employer.

Wage Range

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

Primary Location Full Time Salary Range

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.

Benefits

• medical
• dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
• discretionary and formulaic incentive and retention awards

Most Relevant Skills

• Wholesale Lending Operations Management.

Anticipated Posting Close Date

Dec 21, 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 Opportunity Employer Statement

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.