Associate, Commercial Banking - Healthcare, Higher Ed & Nonprofit - AVP

We are seeking a highly motivated Associate for a front-office coverage role on Healthcare, Higher Ed & Nonprofit team. This position is an excellent opportunity for individuals looking to build a career in a nonprofit industry The Commercial Associate role role is an entry level position at Citi. The associate will receive a strong foundation of knowledge and training, gain real-world experience and add immediate value to the team. This role focuses on developing core competencies in financial analysis, credit risk assessment, and client management within the dynamic of the nonprofit industry Responsibilities: Portfolio Management: Cover a portfolio of 40-50 clients in conjunction with deal teams comprised of Analysts, Associates, Vice Presidents, and senior Credit Officers. Transaction Execution: Act as a primary contributor and reviewer in all facets of deal execution, including in-depth financial analysis, complex financial modeling, risk analysis, and due diligence for credit extensions to new and existing clients. Client & Partner Interaction: Support senior bankers in managing client relationships and interact with various internal partners, including Loan Structuring & Syndications, Commodities, Treasury & Trade Services, and various operations functions to deliver integrated financial solutions. Team Development: Assist with the training and professional development of junior Analysts on the team. Industry Analysis: Conduct detailed company research and industry analysis to identify key trends, risks, and opportunities within the non profit sector Risk Management: Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the bank, its clients, and assets. This includes driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. Qualifications: 1- 2 years of associate work experience. Proficiency in financial modeling and financial data analysis is required. Strong presentation skills. Strong analytical and problem-solving skills. MS Word, Access, Excel, and PowerPoint are second nature. Obtain Series 63 and 79 licenses, and pass SIE, within 150 days of joining Education: Bachelor's/University degree is required. ------------------------------------------------------ Job Family Group: Management Development Programs ------------------------------------------------------ Job Family: Graduate ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: New York New York United States ------------------------------------------------------ Primary Location Full Time Salary Range: $130 000,00 - $145 000,00 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. ------------------------------------------------------ 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: oct 27, 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 ------------------------------------------------------ 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.