Client Institutional Credit Management/Credit Underwriting Analyst New Grad

You're the brains behind our work.

You're ready to bring your knowledge from the classroom to the boardroom, and Citi wants to help you get there. Whether it's honing your skills or building your network, we know that success can't come without growth. Our programs equip you with the knowledge and training you need to play a valuable role on your team and establish a long-term career here. At Citi, we value internal mobility, and career growth is not a question of if, but when.

Corporate and Leveraged Finance Underwriting (“CLFU”) team in North America. Citi ICM-Corporate and Leverage Finance Underwriting Team will be actively involved in Citi’s credit approval and origination process for episodic transactions, assisting clients in raising funds in the capital markets, as well as providing ongoing credit monitoring support for Citi’s Corporate and Leveraged Finance Portfolio of client relationships. Our Underwriters have a comprehensive understanding of the wide range of complex financial issues facing our clients and can provide Analysts the opportunity to develop a sound foundation of credit skills. Combined with an appreciation of the broad set of services offered by Citi, this understanding allows us to effectively deliver innovative solutions to our clients, as well as properly manage the credit exposure within Citi’s global portfolio, across Corporates and Leveraged Lending. This is being achieved through a strong partnership with Banking, Capital Markets and Risk.

Your time here will look something like this...

• Working with a team covering Corporate and Leveraged Finance Underwriting, from Analysts to Managing Directors
• Evaluating and gaining a strong understanding of clients' business model, financial performance and key credit drivers across various industries (including specialized sectors), through due diligence process as part of transactions. Developing ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
• Providing analytical support to Underwriters across CLFU’s episodic transactions; by drafting of the Credit Approval Memo (CAM) package, which includes conducting financial analysis, projection modeling, risk ratings and other in-depth analysis. Actively participate in due diligence process to evaluate credit decisions, coordinating with stakeholders across Banking, Capital Markets and Risk. Presenting in credit committees.
• Researching and developing robust understanding of the fundamentals of the key industry trends and risk issues and developing the ability to succinctly convey his/her thoughts and opinions to the Risk Managers and Bankers; providing well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
• Building and analyzing models used for valuation and to forecast the client's operating and financial performance and be able to articulate assumptions and analysis to Underwriters and Risk Managers;
• Collaborating with our product partners in Capital Markets, Investment Banking, Corporate Banking and Risk, in addition to Legal counsel (both internal and external) to develop the ability to understand the deal structures and to ensure they are properly documented and approved as per the Citi WCR Standards & Procedures
• Shadowing Analysts by attending company and industry meetings as well as industry conferences. Creating and sustaining a network of strong partnerships with the business in all segments & geographies and other Risk functions

We will provide you with the knowledge and skills you need to succeed.

We're committed to teaching you the ropes. Our Full-Time Program is two and a half years long. You'll start the Program with three weeks of training, which will introduce you to both Citi and Institutional Credit Management as a whole.

This training gives you:

• An overview of the key processes you should know as a new Citi employee
• An introduction to Corporate and Leveraged Finance Underwriting to help you discover the main business areas and the "ins and outs" of the credit industry; you'll also get to know Citi's end-to-end Leveraged Lending credit management process.
• Networking events across businesses
• Access to the most senior leaders in the firm
• Social and networking opportunities
• Mentorship

We want to hear from you if...

You will earn a Bachelor's degree between December 2026 – June 2027 in Finance, Economics, Mathematics, Risk Management or a related field required.

·         You have a GPA of 3.5 or above

·         Strong writing, analytical, quantitative, communication, and presentation skills

·         You are proficient in MS Office, especially Excel and PowerPoint

·         Ability to break down large amounts of data into concise, easy to understand formats

·         Ability to quickly and accurately find information upon a Banker / Manager’s request

Who we think will be a great fit...

• A highly ethical and honest individual who is prepared to provide accurate and independent analysis
• Team player with strong work ethic who also works well with others at all levels
• Enthusiasm, eagerness to take off, advance quickly, and assume more responsibility
• Someone who can take on demanding responsibilities and work independently, effectively manage deadlines and juggle multiple tasks at once

• Someone keenly interested in the industry with an intellectual curiosity and always searching for creative ideas and innovative strategies that transcend product lines and professional level

Salary: $110,000

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Job Family Group:

Management Development Programs

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Job Family:

Training

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Time Type:

Full time

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Primary Location:

New York New York United States

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Primary Location Full Time Salary Range:

$95,000.00 - $130,000.00

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.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Nov 19, 2026

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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

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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.

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