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

About the role

Citi’s 10-week Commercial Banking Summer Analyst Program in Houston supports Natural Resources coverage across oil and gas, energy transition, and power and utilities. Analysts work with Relationship Managers on client portfolios, applying industry research, financial modeling, credit analysis, lending knowledge, and product solutions while receiving structured training and mentorship.

Role and Team

• Join Citi Commercial Bank’s Houston Natural Resources team, covering oil and gas, energy transition, and power and utilities.
• Support Relationship Managers across client portfolios and help deliver lending, deposits, cash management, trade, FX, and capital-markets solutions.
• Work with businesses generating annual sales from $10 million to more than $3 billion.

Responsibilities

• Conduct company research and industry analysis for clients, prospects, and relationship-management activities.
• Analyze financial data and perform valuation, discounted cash flow, and pro-forma financial modeling.
• Support secured and unsecured revolving credit, term loans, syndicated loans, leveraged loans, and cross-border lending.
• Partner with Bankers and Product teams to identify solutions that help clients achieve their goals.
• Prepare business-development presentations, pitch books, prospect memos, and other client-related materials.
• Collaborate with product, credit risk, controls, legal, marketing, operations, risk, compliance, and technology teams.

Program and Development

• Complete in-depth initial training combined with hands-on experience on a Coverage team.
• Receive ongoing training in sales, credit, products, technology, and professional skills throughout the program.
• Develop knowledge of target markets, client coverage, credit products, underwriting, loan structuring, documentation, and portfolio monitoring.
• Access structured junior and senior mentorship to support professional development.

Requirements

• Be on track to graduate with a bachelor’s degree in winter 2027 or spring 2028.
• Major in Finance or Accounting, or have financial-services experience through clubs or internships.
• Demonstrate strong analytical and problem-solving skills.
• Use Microsoft Word, Access, Excel, and PowerPoint proficiently.
• Partner effectively with stakeholders to achieve shared goals.
• Do not require U.S. work-authorization sponsorship now or in the future.

Preferred Qualifications

• Preferred GPA is 3.5 or above.