Is it too late to break into Finance?

I am a rising Junior at Baruch College with a 3.2 GPA. Currently I am working at New York-Presbyterian Hospital (NYP) as a Programmer Analyst III. NYP is the most prestigious hospital in the NYC area is ranked by U.S. News as the #1 Hospital in the NYC area and the #6 in the country. Since graduating high school I've worked IT jobs full time while also going to school full time. I understand that my GPA isn't the highest, but I think that taking 5 classes a semester, maintaining a decent GPA and working at a prestigious organization isn't something to sneeze at. I have also been very active in my organization in that I have moved up to more higher positions since I began. Everyone within my organization has been working here for decades, come from prestigious schools and have high level degrees. Just the fact of me working here as a full time employee is a pretty big achievement as I have proved my worth by my work ethic. Although I have no finance related experience, I am doing much more than just presentations or data entry like an intern would. In my contemporary day to day activities I am leading and designing projects/implementation as well as the maintenance of our current information systems.

Many people throw at me the same advice in that I should stay within IT. This is something that I never pictured myself in because I only worked in IT as a means of paying for school and putting food on the table. Unfortunately, I am a first generation student with parents who can't afford to enroll me in school, so the responsibility laid on my shoulders. So, I please ask not to give me this advice.

My dream job is to get into an S&T Role. In particular, I would like to land a role at a fixed income trading desk. I believe that my IT background, proximity to the NYC area and work ethic should be major selling points to market myself as a potential candidate for an internship role. I am asking for any help or tips that can help me break into a finance internship at a reputable organization.

3 Comments
 
Best Response

It's never too late. It's great to see you have a goal and you want to work for it. The question is, how far are you willing to go?

For S&T, you don't necessarily need finance experience per se, but you sure will need a good story to explain why someone with your background wants to break into that field. If you want to land a S&T gig at a BB firm, you'll probably want to prioritize raising your GPA up a bit.

I recommend the following: this summer, try to learn more about the field and become familiar with the jargon. Study up on some macroeconomics, start keeping up with financial news, and figure out a way to become more knowledgeable about trading as a whole (you mentioned you want to do fixed income. If I ask you to describe to me what a CDO is right now, could you?) Try and get a sense of how the industry works. I literally spent half of one of my summers learning the ins and outs about the trading world.

At worst case scenario, you might want to consider checking out the Baruch MFE program. Probably rated the best program in the country (at least to my knowledge), and will definitely shape you up into that realm.

Best of luck

"Luck is what happens when preparation meets opportunity"
 

Velit qui est sed accusamus consequuntur mollitia. Non ea voluptatem est aperiam expedita. Sed aut illum dolor velit odio doloribus. Nam laboriosam nemo deleniti et praesentium aut. Enim exercitationem enim beatae dolorum et. Omnis et reprehenderit omnis assumenda eum non quia. Perspiciatis ab enim unde quia.

Illum tenetur ut eius dolores ratione ex facere. Eos impedit odio laboriosam error corrupti. Omnis omnis omnis similique earum ex earum. Sequi cum modi odio in voluptatem aut mollitia.

Est voluptas soluta neque qui incidunt suscipit tempore veniam. Praesentium sed unde beatae dolores earum corrupti. Quasi inventore expedita enim officia. Impedit veritatis id dolorem tenetur accusantium modi vel.

Career Advancement Opportunities

November 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 99.0%
  • JPMorgan 01 98.4%
  • Guggenheim Partners 02 97.9%
  • Morgan Stanley 06 97.4%

Overall Employee Satisfaction

November 2026 Investment Banking

  • Moelis & Company No 99.5%
  • Morgan Stanley 02 99.0%
  • Evercore 01 98.4%
  • Banco Santander 02 97.9%
  • BMO Capital Markets 13 97.4%

Professional Growth Opportunities

November 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 99.0%
  • Morgan Stanley 05 98.4%
  • Goldman Sachs 01 97.9%
  • JPMorgan No 97.4%

Total Avg Compensation

November 2026 Investment Banking

  • Vice President (16) $429
  • Associates (57) $264
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (28) $184
  • Intern/Summer Associate (16) $161
  • 1st Year Analyst (84) $151
  • Intern/Summer Analyst (76) $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

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...”