Associate Development Program

Jobtailor; San Francisco (CA); On-site; USD 85,000 - 110,000; Full time

Job summary

First Citizens Bank is offering a comprehensive rotational development program in San Francisco. Participants will build foundational skills in business, finance, and credit while delivering bespoke solutions to startups and investors.

You will rotate across Commercial Banking teams, learning credit risk assessment, loan portfolio management, and client management while expanding professional capabilities. The program emphasizes collaboration, critical thinking, and the ability to explain

Qualifications

• Bachelor's Degree or high school diploma with 4+ years of experience.
• GPA 3.0+ preferred for bachelor's graduates.
• Passing grade in finance, accounting, or economics coursework.
• Interest in business, finance, entrepreneurship, technology or innovation.
• Strong teamwork and collaboration skills.
• Clear written and verbal communication.
• Independent work capability with accountability.

Responsibilities

• Develop and deliver bespoke financial solutions for startups, founders, investors, and public companies.
• Gain hands-on experience in credit risk assessment, loan portfolio management, and client management.
• Assist in managing client portfolios and relationships.
• Assess and monitor credit risk across diverse clients.
• Build understanding of industries, business models, and financial services.

Skills

Credit Risk Assessment

Financial Analysis

Client Management

Collaboration Skills

Written Communication

Verbal Communication

Critical Thinking

Decision-making

Professionalism

Relocation Readiness

Education

Bachelor's Degree

High School Diploma or GED + 4 years experience

Job description

• Participate in a comprehensive rotational development and training program
• Develop foundational business, financial, and credit skills
• Learn about the innovation economy and business models across various life stages
• Develop and deliver bespoke financial solutions for startups, founders, investors, and public companies
• Work within business units across the Commercial Banking platform
• Gain hands‑on experience in credit risk assessment, loan portfolio management, and client management
• Collaborate with team members and complete meaningful work while taking on increasing responsibility
• Assist in managing client portfolios and relationships
• Assess and monitor credit risk
• Provide financial and credit analysis for innovative companies
• Develop understanding of industries, business models, products, and services driving the innovation economy
• Build relationships with peers and professionals across First Citizens

Requirements

• Bachelor's Degree OR High School Diploma or GED and 4 years of experience
• Bachelor’s degree earned prior to the program start date (GPA of 3.0 or higher preferred)
• Passing grade in at least one finance, accounting, and/or economics college course
• Basic knowledge or demonstrated interest in business, finance, economics, entrepreneurship, technology, or innovation through coursework, internships, leadership experiences, or employment
• Partnerships and collaboration skills
• Written and verbal communication skills
• Critical thinking skills
• Decision-making skills
• Professionalism, accountability, and strong attention to detail
• Ability to explain complex situations clearly
• Ability to lead, take ownership, and work independently
• Ability to relocate to one of 30+ office locations upon successful completion of the program

Core Competencies

Demonstrates foundational business, financial, and credit skills while providing bespoke financial solutions for startups and investors. Capable of assessing credit risk and managing client portfolios with strong communication and critical thinking abilities.

Highest-signal resume keywords

• Bachelor's Degree
• Credit Risk Assessment
• Financial Analysis
• Client Management
• Collaboration Skills

Hard Skills

• Financial Solutions Development
• Credit Risk Assessment
• Loan Portfolio Management
• Financial Analysis
• Business Model Understanding

Soft Skills

• Written Communication
• Verbal Communication
• Critical Thinking
• Decision-making skills
• Professionalism

Industry Keywords

• Innovation Economy
• Entrepreneurship
• Business Models
• Financial Services
• Client Relationships