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Affordable Housing Loan Analyst

Job Req ID 24742246 Location(s) Houston, Texas; Thousand Oaks, California; New York, New York; San Francisco, California Job Type On-Site/Resident Job Category Markets
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The professionals at Citi Community Capital ("CCC") underwrite and close construction and permanent loans that are used to finance the new construction and preservation of affordable and workforce rental housing. CCC is the community lending and investing arm of Citigroup (“Citi”), housed in the Global Spread Products (“GSP”) vertical within Markets. Unique among its peers, CCC provides a comprehensive array of financial products from lending and equity investment to investment banking designed to create strong communities and contribute toward Citibank’s Community Reinvestment Act (“CRA”) performance. CCC works with for-profit and non-profit developers, as well as state and local government agencies on both straightforward and highly structured transactions that may use a combination of taxable and tax-exempt loans or bonds, Low Income Housing Tax Credit equity, and governmental and private subsidies. CCC provides capital directly or as an intermediary. CCC is a construction lender and a permanent lender, a Fannie Mae DUS lender and a Freddie Mac Optigo lender. CCC also acts as principal in unique equity investments – all designed to improve neighborhoods, create jobs, or improve the health care services or educational opportunities available to the communities we serve.

CCC works throughout the country from 13 offices and, according to Affordable Housing Finance Magazine, has been the #1 affordable housing lender in the United States for the past 13 years. That success is due in large part to having the strongest, most innovative team of professionals in the country. CCC’s team of experienced professionals are able to provide creative financing solutions that are specifically designed to meet each client’s needs. 

CCC is seeking an an analyst to join our team in Houston, TX, or Thousand Oaks, CA or San Francisco, CA and provide analytic and transaction support for the origination of construction and permanent loans for affordable housing projects.


·Provide analytical, transactional and client support to the affordable multifamily rental housing debt origination team.

·Assist bankers in reviewing and considering newly sourced transactions, including spreading project historical or pro forma operating information using Excel models, analyzing project feasibility, and conducting analyses of borrower’s financial condition.

·Work with bankers to complete term sheets and applications for client review and execution.

·Assist bankers in boarding new transactions and ensuring that all appropriate internal actions are taken.

·Participate in the transaction approval process, including assembling packages for Citi’s risk management review, reviewing credit memos, and assembling the necessary credit approval documentation.

·Work with bankers and clients in the transaction execution process, participating in transaction calls, developing distribution lists and schedules, coordinating, and participating in the project underwriting process with other members of the team.

·Complete necessary internal transaction execution documentation.

·Develop presentation materials as directed to highlight CCC’s business activities and help market its products, as well as in response to requests for proposals.

·Assist bankers with ongoing relationship duties including issues that arise during construction, permanent loan conversions, loan modifications and extensions.


·Undergraduate degree with emphasis in real estate, business or economics.

·Experience preferred in real estate lending or multifamily lending (1+ year)

·Strong interpersonal, verbal and written communication skills.

·Demonstrated quantitative analysis and spreadsheet skills.

·Highly organized individual able to manage multiple assignments at once.

·The position will be located in CCC’s office in Houston, TX, or Thousand Oaks, CA or San Francisco, CA, and will require flexible work hours.

·When hired, the candidate will be required to pass all relevant FINRA exams and licensing requirements

·Training (3-4 weeks) will occur in Houston, TX, Boca Raton, FL, or Thousand Oaks, CA] and will be a combination of virtual and in person sessions.


Job Family Group:

Institutional Banking


Job Family:

Investment Banking


Time Type:

Full time


Primary Location:

Houston Texas United States


Primary Location Full Time Salary Range:

$110,000.00 - $135,000.00

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 Available offerings may vary by jurisdiction, job level, and date of hire.


Anticipated Posting Close Date:

May 28, 2024


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.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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