What's the best next move?

Hi all,

Writing this to hopefully get career advice (hopefully with someone who's been down this path). I made the mistake of just studying hard at a non-target, not adequately networking, and relied on cold applying. I recently graduated with a retail banking job (Personal Banker). I don't dislike being a personal banker as a job itself, but I hope to not do this long-term, and move into a financial analysis related job with greater upward potential (I know its very general, can't really say IB or PE and be picky at this point). Earlier this year I graduated from Sauder with a solid gpa, and I'm writing cfa l2 this Nov and planning to finish l3 early 2023. Upon reflecting, I think the overarching mistake that led me here, with a lack of a great starting job, is that I never took recruiting seriously (just sent out cold apps which unsurprisingly didn't work out). 

From my position, to begin a career in 'finance', I'm considering two options:

1) Try to lateral into a financial analysis-related job that is realistic top get for me; This is a hard option because I don't think many analysis-related jobs would take my experience. My best bet here is probably to leverage passing cfa l3 and get into the portfolio management assistant in WM, or small business and commercial valuation. 

2) Leverage a high gpa, get as close to 800 as possible on the gmat to do a top master's program (non mba, like mfin or mfe) in a financial hub, nyc, London, or Toronto; and this time actually play the recruiting game seriously. The problem here is I would have to apply next cycle in 2023, as there is no way in hell I can do full time job, cfa l2, and be try hard at gmat at the same time; that means I would actually start the master's program at age 24. But I think this is the better option because I get access to recruiting at a target school in a city with more finance jobs, and I wouldn't mind the international experience and traveling as I currently have no family obligations.

Thanks for your time!