Too late for commerical banking recruiting?

Hey all, looking for advice about the topic above. Some background info: currently a senior at a non-target and was able to score a position with a fortune 1,000 financial services FLDP. Having some second thoughts about the FLDP due to the locations and the accounting aspects of the program. I was looking into commercial banking credit analyst programs for MM banks (BoA,WF) and it seems like I'm too late. Can anyone verify whether the window to recruit for these programs is over? If they are, can anyone provide any insight on whether it would be possible to join one of these programs a year or two after I graduate or if they are only available to recent grads?