Spread Products Banking Associate

Citi Group; United States; Hybrid; USD 160,000 - 175,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Life, accident, and disability保险

Wellness programs

Paid holidays

Discretionary incentive awards

Job summary

Citibank, N.A. in New York, NY is seeking a Spread Products Banking Associate to conduct credit monitoring, financial analysis, and data-driven portfolio reviews. You will build models and deliver actionable insights to improve deal management and financial performance.

The role requires a finance/data background and experience with SQL, underwriting models, and presenting complex analyses to senior stakeholders. A hybrid work arrangement may apply within a commutable radius.

Qualifications

• Bachelor's degree or foreign equivalent in Finance, Computing and Data Science, Business Administration or related field.
• Two years of experience in evaluating P&L, financial analysis and credit risk; preparing materials for clients and stakeholders.
• Experience with data management, databases, and producing analytical outputs.

Responsibilities

• Conduct credit monitoring and financial analysis of CRE balance sheet positions.
• Develop models, charts and outputs to support deal management and reporting.
• Use databases and SQL to streamline data organization and workflows.
• Prepare quarterly and annual portfolio materials for senior management and risk teams.
• Provide portfolio analytics and visualizations for regulators and auditors.
• Support Citi's telecommuting/hybrid work policy within a commutable distance.

Skills

Financial analysis

Credit risk evaluation

Presentation of materials

Education

Bachelor's degree

Tools

SQL

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:

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.

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

Anticipated Posting Close Date:

Dec 21, 2026

Employee Benefits:

Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.

In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.

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