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The short answer is very competitive. You have a big advantage being at great school, so expect a lot of on-campus recruiting. Recruiting for SA takes place late Feb - early April of the year before. You should be trying to make coffee chats soon to build relationships before recruiting starts. It generally takes 2-4 months to be solid on the technicals required for interviews, depending on the intensity and efficiency you study at. Wharton can place at any firm, just a matter of luck and preparation.
Decent resume is 3.75 + GPA (3.5 absolutely minimum), a few finance clubs and orgs, and hopefully some other experience from a finance-adjacent internship in Freshman summer/ concurrent with school. Consider joining SEO/MLT/BLK if you are eligible. Don't sleep on the importance of people skills + interest/hobbies on the resume, this will split the decision between you and someone else at a superday. If you know what group you want to join, could be worth creating or joining an tech/ energy/ healthcare club for the optics.
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