Associate - Commercial Mortgage Warehouse Group

Citibank is looking for an Associate to work with our Commercial Mortgage Warehouse Group. The candidate will work with senior members of our group and with the group’s clients to finance commercial mortgage loans on our commercial mortgage warehouse facilities.

Responsibilities include underwriting and due diligence of commercial properties and underlying mortgage loans, preparing and presenting approval memorandum for both advances against loans and the warehouse lines we provide to our clients. Additional responsibilities include supporting our middle office, Risk, and CLO functions with respect to our clients.

• Work with senior Corporate & Investment Bank (CIB) officers and professionals and participate in particular client transactions, projects or assignments as the junior member of the Investment Banking team
• Responsible for organizing and analyzing sophisticated financial data used in client proposals and strategic plans
• Prepare written recommendations, valuation materials and statistical exhibits for pitches and live deals
• Conduct economic/financial research
• Evaluate company’s financial performance compared to overall industry and market trends
• Build complex financial models for valuation purposes
• Perform periodic loan surveillance, including re-underwriting and commentary on deal performance.
• Ad hoc projects, which may include loan servicing, loan administration, future fundings, amendments/modifications/extensions, payoffs, documentation, etc.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• Candidates are generally required to have a BA/BS, preferably with a major in real estate, business, accounting or economics.
• Proficiency with Excel and preferably some exposure to Argus.
• Strong attention to detail with a proven ability to multitask.
• Excellent writing and presentation skills.
• 5-8 years of relevant experience
• Administration Master's degree in Business Administration preferred
• Experience in evaluating financing transactions and structures
• Experience creating financial analyses
• Demonstrated problem solving and organizational skills
• Consistently demonstrates clear and concise written and verbal communication skills
• Experience assisting with client development
• Ability to work with teams and track business development (collect research, analyze industry trends)

Education:

• Bachelor’s degree in Finance or closely related areas of Business

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group: Institutional Banking

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Job Family: Investment Banking

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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: $130,000.00 - $170,000.00

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: Dec 19, 2025

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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. *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.*