Key Responsibilities of the Analyst Role

The Analyst’s responsibilities are multifaceted, encompassing various aspects of commercial mortgage finance.These include:

• Underwriting and due diligence of commercial properties and underlying mortgage loans. This involves a thorough assessment of the property’s value, the borrower’s financial stability, and the overall risk associated with the loan.
• preparing and presenting approval memorandums for both advances against loans and the warehouse lines provided to clients. these memorandums are critical for securing internal approvals and ensuring transparency in the lending process.
• Supporting the middle office, Risk, and CLO functions in relation to client activities. This collaborative effort ensures that all aspects of the loan process are aligned and that potential risks are effectively managed.

The role also involves direct interaction with senior Corporate & Investment Bank (CIB) officers and professionals, offering valuable exposure to high-level transactions and projects. This provides the Analyst with opportunities for professional growth and development within the organization.

Financial Analysis and Modeling

A significant portion of the Analyst’s work will involve in-depth financial analysis. This includes:

• Organizing and analyzing complex financial data for client proposals and strategic plans. This requires a strong understanding of financial statements and the ability to extract meaningful insights from large datasets.
• Preparing written recommendations, valuation materials, and statistical exhibits for pitches and live deals. These materials are essential for communicating the value proposition of potential investments to clients and internal stakeholders.
• Conducting economic and financial research to support investment decisions. This involves staying abreast of market trends, analyzing economic indicators, and assessing the potential impact of these factors on the commercial real estate market.
• Evaluating a company’s financial performance against industry and market trends. This comparative analysis helps to identify potential risks and opportunities associated with specific investments.
• Building complex financial models for valuation purposes. These models are used to project future cash flows, assess the profitability of potential investments, and determine the appropriate loan terms.

These tasks require a strong understanding of financial principles and the ability to apply them in a practical setting, ensuring that all investment decisions are based on sound financial analysis.

Loan Surveillance and Ad Hoc projects

Beyond initial underwriting, the Analyst will also be involved in ongoing loan surveillance, which includes:

• Performing periodic loan surveillance, including re-underwriting and commentary on deal performance. This ensures that the loans remain healthy and compliant throughout their term.
• Handling ad hoc projects related to loan servicing, loan management, future fundings, amendments/modifications/extensions, and payoffs. This requires versatility and the ability to adapt to changing circumstances.
• managing documentation related to loan transactions. This ensures that all loan documents are properly organized and readily accessible.

These responsibilities ensure the ongoing health and compliance of the commercial mortgage portfolio, contributing to the overall stability of Citibank’s lending operations.

Risk Management and Compliance

A critical aspect of the analyst’s role is risk management. The job description emphasizes the importance of:

Appropriately assess[ing] 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.

This statement underscores Citibank’s commitment to ethical conduct and regulatory compliance in all its operations, ensuring that all employees understand their responsibility to protect the firm’s reputation and assets.

Qualifications for the Role

Citibank has outlined specific qualifications for candidates seeking the Analyst position. These include:

• A Bachelor’s degree (BA/BS), preferably with a major in real estate, business, accounting, or economics. This academic background provides a solid foundation for understanding financial principles and real estate concepts.
• Proficiency with Excel and preferably some exposure to Argus. These software skills are essential for financial analysis and modeling.
• Strong attention to detail with a proven ability to multitask. This is crucial for managing multiple projects and ensuring accuracy in all work.
• Excellent writing and presentation skills. These skills are necessary for communicating complex details clearly and effectively.
• Two to five years of relevant experience. This experience provides a practical understanding of the commercial real estate finance industry.

These requirements reflect the need for a candidate with a solid academic background and practical experience in financial analysis and real estate, ensuring that the Analyst is well-equipped to handle the demands of the role.

Job details and Compensation

The job is categorized within the institutional banking group, specifically under Investment Banking. It is a full-time position located in New York, New York, United States. The primary location full-time salary range is $110,000.00 – $135,000.00.

Along with 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.

Equal Opportunity Employer

citibank is committed to equal employment opportunities. The job posting explicitly states:

citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

This commitment reflects Citibank’s dedication to diversity and inclusion in the workplace, ensuring that all qualified applicants have an equal opportunity to succeed.