A bird in the hand? (deciding on MM FT S&T offer)

Hey guys, rising senior at a target looking for some advice.

I was fortunate enough to receive a FT offer from my internship this summer. It is at a MM bank and the offer is for S & T, which is the field I definitely want to go into. The people and experiences were great (wouldn't mind working there FT), but the pay/benefits are both below street. Although a solid work experience is up there in terms of priorities alongside money, the latter definitely makes a huge impact on my current life considering several factors (student loans, expensive city, no family wealth, etc).

I have to make my decision soon so any perspectives would be really appreciated. Mainly, how is the FT job market for S&T? Are there any banks/relevant programs that hire FT candidates this early? Or should I just take the offer and play it safe?

4 Comments
 
Most Helpful

i work for a tier 1 MM in S&T ... i would argue this is one of the tightest job markets just based on declining # of positions (shrinking balanced sheets, Volcker rule, etc.) and high demand for trading jobs..

You shouldn't expect a high (IB) salary given higher demand in this industry & fewer hours per week than IB (50-60hrs no weekends)... only BB S&T positions get you in the $85k+ all-in vicinity for 1st year.

If its in NY and you're getting $65-75k sal + Bonus then you're ATM, other markets (LA, CHI, CHA) subtract 10%..

 

Et et consequatur dolorem doloremque nihil temporibus quo. Doloribus illum et quis expedita iusto nostrum quo facilis. Expedita corrupti culpa ipsam voluptatem adipisci eos.

Architecto odio eos non et nihil. Unde quis eveniet voluptatem tenetur nam vitae. Sit facere perspiciatis delectus aliquid dolores ab. Rerum veritatis architecto qui asperiores illo. Distinctio consequatur nostrum delectus.

Occaecati non deserunt et quidem. Incidunt et vitae amet quibusdam laudantium eius explicabo commodi. Voluptas ducimus amet velit et possimus. Consequuntur velit modi nesciunt aut.

Corporis voluptatem et ut cum. Laborum consequatur animi tenetur veritatis quod vel. Voluptas fuga est harum.

Career Advancement Opportunities

June 2026 Investment Banking

  • Evercore 01 99.4%
  • Moelis & Company 01 98.8%
  • JPMorgan 01 98.2%
  • Guggenheim Partners 01 97.7%
  • Morgan Stanley 07 97.1%

Overall Employee Satisfaction

June 2026 Investment Banking

  • Moelis & Company No 99.4%
  • Morgan Stanley 01 98.8%
  • Evercore 01 98.2%
  • BMO Capital Markets 12 97.6%
  • Banco Santander 01 97.1%

Professional Growth Opportunities

June 2026 Investment Banking

  • Moelis & Company No 99.4%
  • Evercore No 98.8%
  • Morgan Stanley 05 98.2%
  • JPMorgan No 97.7%
  • BMO Capital Markets 12 97.1%

Total Avg Compensation

June 2026 Investment Banking

  • Vice President (14) $434
  • Associates (43) $259
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (22) $179
  • Intern/Summer Associate (13) $156
  • 1st Year Analyst (75) $151
  • Intern/Summer Analyst (67) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
kanon's picture
kanon
99.0
3
BankonBanking's picture
BankonBanking
99.0
4
Secyh62's picture
Secyh62
99.0
5
DrApeman's picture
DrApeman
98.9
6
Betsy Massar's picture
Betsy Massar
98.9
7
GameTheory's picture
GameTheory
98.9
8
dosk17's picture
dosk17
98.9
9
CompBanker's picture
CompBanker
98.9
10
Jamoldo's picture
Jamoldo
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”