Associate Development Program

• 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

• 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

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.

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

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

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

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