Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Structurer is an internally and externally recognized subject matter expert that influences the way things are done, not only internally, but beyond the business itself. Requires a broad and comprehensive understanding of the field. Is a true thought leader who develops new techniques, methodologies and approaches in own field to directly impact the work of others and the results of the organization. Recognized as a resource for innovation or groundbreaking developments. Excellent communication skills required in order to negotiate internally and externally at a senior levels. Negotiations will have an impact on the business and are likely to involve external parties such as clients, government bodies or other organizations. A sizeable impact on a major function and/or the business through making decisions that determine technical approaches and strategies for the area. Responsible for setting the technical direction of technical areas that are key to the business. Decisions made at this level will determine technical developments and the general technical strategy of the whole technical area.

Responsibilities:

The Structurer will hold a key role including pricing, developing innovative physical and financial productsAssesses the adequacy of underwriting, portfolio management, collateral evaluation, and the reliability of asset classifications and risk rating by conducting individual credit reviewsAssesses effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and CitibankPrepares reports on the overall quality of the portfolios reviewed, including assessment of monitoring and proper risk gradingProvides analytical aid for the team including responsibility for portfolio performance analysis and reportingParticipate to the pre-trade & post-sales effort, closely working with salesParticipate to the development of new productsMarketing presentations and participation to client meetingsWork in close partnership with control functions such as Legal, Compliance, Market and Credit Risk, Audit, Finance in order to ensure appropriate governance and control infrastructureBuild a culture of responsible finance, good governance and supervision, expense discipline and ethicsAppropriately assess risk/reward of transactions when making business decisions; and ensure that all team members understand the need to do the same, demonstrating proper consideration for the firm’s reputationBe familiar with and adhere to Citi’s Code of Conduct and the Plan of Supervision for Global Markets and Securities Services; and ensure that all team members understand the need to do the sameAdhere to all policies and procedures as defined by your role which will be communicated to you

Commodities specific skillset:

Knowledge of Commodities deal capture system – OpenLink / Endur is beneficialSome knowledge on Commodities Muni Gas and Power Prepay transactionsWorking knowledge of first-lien power transactions and associated hedging in power products and lending products including tracking accountsKnowledge of shaped power positions including Load Following Power transactions a useful bonus for usCommodities Options products such as HRCOs and Revenue Puts also beneficial

Qualifications:

10+ years structuring experience from a financial institutionDemonstrated quantitative and analytical skillsConsistently demonstrates clear and concise written and verbal communication skillsAbility to work with multiple functional groups in a cohesive manner.

Education:

Bachelor’s/University degree, Master’s degree preferred

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Job Family Group:

Institutional Trading

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Job Family:

Structuring

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Time Type:

Full time

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Primary Location:

Houston Texas United States

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Primary Location Full Time Salary Range:

$200,000.00 - $300,000.00

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:

Sept 04, 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.