Associate Development Program, Sept 2027 (San Francisco)

First Citizens; San Francisco (CA); Hybrid; USD 70,000 - 85,000; Full time

Job summary

First Citizens Bank offers the Associate Development Program (ADP), a rotational training track designed for entry-level associates. You will work within the Innovation Ecosystem and Commercial Bank to build critical business and financial fundamentals, collaborating with teams across markets and client segments.

The program emphasizes mentorship, hands-on training, and real client exposure. Selected associates gain experience in credit risk assessment, portfolio management, and relationship

Qualifications

• Bachelor's Degree OR High School Diploma or GED and 4 years of experience.
• We hire associates from diverse backgrounds, experiences, and skill sets for the ADP program.
• Relocation to one of our 30+ office locations is required upon successful completion of the program.

Responsibilities

• Provide hands-on training across First Citizens’ Commercial Banking platform.
• Support credit risk assessment, loan portfolio management and client relationships.
• Participate in mentorship and professional development to strengthen technical and financial skills.

Skills

Partnerships and Collaboration

Communication

Critical thinking

Education

Bachelor's Degree or GED with 4+ years experience

Job description

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office.

First Citizens offers you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.

First Citizens Bank (“FCB”) helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best‑in‑class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.

ADP Overview

Established in 2012 with training locations in Boston, MA and San Francisco, CA, the Associate Development Program (“ADP”) hires entry‑level associates to participate in a comprehensive rotational development and training program that combines critical thinking, business and financial fundamentals, and hands‑on experience supporting teams, markets, and client segments across the Innovation Ecosystem and broader Commercial Bank.

With ADP as your launching pad into a career at FCB, the opportunities are endless. Throughout the Program, you will collaborate with a variety of teams supporting innovative businesses, venture‑backed companies, investors and other participants in the innovation economy. The breadth of experiences, relationships, and skills gained through ADP will prepare you to pursue a wide range of career paths across First Citizens.

Responsibilities & Qualifications

Training

The foundation of the Associate Development Program is our hands‑on training curriculum. It is a building‑block approach to develop the skills you’ll need to support dynamic, diverse and rapidly growing clients. The training consists of a combination of classroom‑style instruction, case‑study‑based exercises, and live work with experienced facilitators and business leaders. Throughout the program, associates will develop foundational business, financial and credit skills while gaining an understanding of the innovation economy and the unique business models of companies across various life stages. With these skills in place, you will learn to develop and deliver bespoke financial solutions tailored to all participants in the innovation ecosystem, including startups, founders, investors and public companies.

On the Job Training

While in training, associates are embedded within business units across First Citizens’ Commercial Banking platform to receive hands‑on training in areas such as credit risk assessment, loan portfolio management and client management. Associates collaborate with team members to complete meaningful work, develop skills to take on increasing responsibility and gain exposure to different business areas and geographies that may become long‑term career opportunities following completion of the Program.

Life in ADP

You will assist in managing various aspects of client portfolio and relationships. Responsibilities include assessing and monitoring credit risk, providing financial and credit analysis for a variety of innovative companies, and developing an understanding of the industries, business models, products, and services that drive the innovation economy. As you become a member of the ADP community and build lasting relationships with your peers, you will also receive dedicated mentorship and professional development to strengthen both your technical and financial skills, as well as your interpersonal and communication skills. The Program provides broad exposure to a network of professionals and career paths across First Citizens, helping position you for long‑term success.

Position Specific Skills:

• Partnerships and Collaboration
• Communication (Written and Verbal)
• Critical thinking skills

Basic Qualifications:

Bachelor's Degree OR High School Diploma or GED and 4 years of experience.

Preferred Qualifications:

We hire associates from diverse backgrounds, experiences, and skill sets. Our program is the perfect launching pad into the innovation economy. We welcome candidates from all majors who have demonstrated a level of interest and basic knowledge in business, finance, economics, entrepreneurship, technology, or innovation through coursework, internships, leadership experiences, or employment.

• Earned a bachelor’s degree prior to the start date of the Associate Development Program (GPA of 3.0 or higher preferred)
• Received a passing grade in at least one finance, accounting, and/or economics college course
• Interest in leveraging your experience to explore further career opportunities at FCB
• Enjoy challenges and utilize strong critical‑thinking and decision‑making skills
• Coachable and able to apply feedback
• Demonstrate professionalism, accountability and strong attention to detail
• Strong written and verbal communication skills, with the ability to explain complex situations clearly
• Team player who can lead, while also able to take ownership and work independently
• Ready to relocate to one of our 30+ office locations upon successful completion of the program

Additional Information

If hired in California, the base pay for this position is generally between $33.77 and $40.87 per hour. Actual starting base pay will be determined based on skills, experience, location, and other non‑discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.