Banking - Commercial Banking - Natural Resources & Energy, Summer Analyst, Houston - US, 2027

About the role

Citi’s Commercial Bank (“CCB”) is looking for Summer Analysts to join the Natural Resources team in Houston. This team covers clients in the Oil & Gas (Upstream and Midstream), Energy Transition, and Power and Utilities sectors. Our Commercial Banking division works with businesses with annual sales ranging from $10 million to more than $3 billion. Our Commercial Banking Team works to find ways for our clients to maximize their growth while taking full advantage of Citi’s banking products, including deposit and lending, cash management, trade, FX (foreign exchange), and capital markets solutions.

Program overview

The Summer Analyst Program strives to bring in the best and brightest talent and support them as they develop into the next generation of commercial banking leaders globally. The 10-week program starts in June and begins with in-depth training that combines formal sessions with hands-on experience to help you quickly ramp up and adapt to your role and the culture at Citi. Ongoing training includes sales, credit, product, technology, and professional skills, alongside a robust junior and senior mentorship structure.

What you’ll learn by the end of the program

• CCB target market, value proposition, and client coverage model
• How bankers interact with clients and identify their needs
• Various credit product types and how these solutions best fit client needs
• Commercial loan underwriting process, including loan structuring and documentation
• End-to-end credit process including new origination of credit and monitoring of a credit portfolio
• Engaging with clients, prospects, and centers of influence
• Citi credit and regulatory policies and procedures

Responsibilities

You will join a Coverage team for the duration of the program, working directly with Relationship Managers on a portfolio of clients and interfacing with teams across the firm. The role of Coverage team members is to serve as a thought partner to clients, delivering the full breadth of Citi’s solutions to help them fund operations and expand locally and overseas. Analysts play a critical role in meeting client and prospect needs, including:

• Conducting company research and industry analysis
• Analyzing financial data and performing financial modeling focused on company valuations, discounted cash flow analysis, and pro-forma analyses
• Supporting the commercial lending process, which includes secured and unsecured revolving lines of credit, term loans, syndicated loans, leveraged loans, and cross-border loans approved locally and extended overseas through the CCB’s global network of 26 countries
• Taking ownership of the client experience, including partnering with Bankers and Product teams to determine which products to leverage in order to help clients achieve their goals
• Playing a role in deal management and client presentation preparation, including creating business development presentations, pitch books, prospect memos, and other client-related decks
• Interacting with partners across the firm, including product, credit risk, in-business controls, legal, marketing, operations, risk, compliance, and technology teams

Requirements

• Dynamic individual who is passionate about partnering with stakeholders to achieve goals
• Strong analytical and problem-solving skills
• Major in Finance or Accounting, or have experience in Financial Services through clubs or internships
• On track to graduate with a bachelor’s degree in winter 2027 or spring 2028
• Preferred GPA of 3.5 or above
• Proficient user of MS Word, Access, Excel, and PowerPoint
• Eligible for U.S. work authorization without requiring sponsorship now or in the future

Pay

Annual Salary: $105,000