Associate Development Program – Financial Services Innovation

Job Description

Associate Development Program | First Citizens Bank

The Tone:
This is a hybrid, full-time role at First Citizens Bank, located in San Francisco, CA. First Citizens Bank is a diversified financial institution with a 125-year tradition of service, offering the strength and stability of a top 20 U.S. financial institution with over $200 billion in assets. This program serves as a launching pad into a career, developing critical business and financial fundamentals while supporting innovative businesses and other participants in the innovation economy. The role is pivotal in helping clients build lasting financial strength through a personalized approach.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: Hybrid – San Francisco, CA
• Pay: $34–$41 hourly
• Mission: This person develops the foundational skills needed to support dynamic, diverse, and rapidly growing clients within the innovation economy, understanding unique business models and delivering tailored financial solutions.

What You’ll Actually Do
• Participate in a comprehensive rotational development and training program combining critical thinking, business fundamentals, and hands-on experience.
• Develop foundational business, financial, and credit skills through classroom-style instruction, case studies, and live work with experienced facilitators.
• Assist in managing various aspects of client portfolios and relationships for innovative companies, including venture-backed businesses and investors.
• Provide financial and credit analysis for a variety of innovative companies, while assessing and monitoring their credit risk.
• Collaborate with team members within First Citizens’ Commercial Banking platform to complete meaningful work and gain exposure to different business areas.

The Must-Haves
• Background: Bachelor’s Degree. This is an entry-level role for individuals demonstrating an interest and basic knowledge in business, finance, economics, entrepreneurship, technology, or innovation.
• Experience: No specific years of experience required. Demonstrated interest through coursework, internships, leadership experiences, or prior employment.
• Skills: Partnerships and Collaboration, Written and Verbal Communication, Critical Thinking, Professionalism, Accountability, Attention to Detail.
• Bonus: Earned a bachelor’s degree prior to the start date with a GPA of 3.0 or higher preferred. Received a passing grade in at least one finance, accounting, and/or economics college course. Enjoys challenges and utilizes strong decision-making skills. Coachable and able to apply feedback. Team player who can lead while also taking ownership and working independently. Ready to relocate to one of 30+ office locations upon successful completion of the program.