Nontraditional Plan For Non-Target into MM/BB IBD

Feel free to criticize my plan so I can make adjustments/reevaluate logistics.

Background: @ non-target, involved on campus, 2 jr yr virtual internships (IB&PE) at “no-name” small shops, and will graduate next spring with an expected 3.4 - 3.5 GPA as a triple major in finance related fields of study.

Problem: As of now, I recognize I’m not an exceedingly competitive candidate for where I’d like to end up.

Plan: take a “gap-year” after graduation and...
- Complete summer, fall, winter, and spring IB internships for the given year.
- Pass CFA I in November (with new 2021 CFA exam schedule, having February as a fall back in case of failure)
- Pass CFA II in June of that year (assuming I pass CFA I)
- *side note: I’ve heard CFA isn’t all that important in IB but I want to earn it in order to show I’m still working on myself during this “gap-year.”
- Start recruitment/networking/interview prep in June for the off-cycle FT recruitment period.
- Complete CFA III next June, earning the charter.

Solution: Recruit for IBD during the off-cycle recruitment period with more experience and CFA progress under my belt. I feel like this will make me a more competitive candidate.

Problems:
- Most banks offer internship positions to those who are “still perusing an undergraduate degree.” And, I will have already graduated.
- Off-cycle internship opportunities are hard to come by.
- Is there anyway this path could unwrap itself against my favor?