Rising senior IU Kelley finance 3.1 GPA trying to break into IB will I need grad school due to my low GPA?

I should have joined the banking workshop when I was a sophomore, but I was rather lazy my first few years and let my GPA crumble after that. All of my roommates are in the workshop and I've gained an interest in the field from them. I'm going into my senior year with a rather weak GPA of a 3.1 and an internship with Wintrust Financial.

  1. Do I have any chance at an analyst position with such a low GPA?
  2. Should I get an MBA to break in?
  3. Would I even be able to get into a decent grad school?
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