If you're fresh out of university you'll have a ramp up time too as you said. At my previous company we much preferred people doing an apprenticeship for 2 years than having someone with a bachelor. Because they were significatly cheaper during those two years, while usually require only slightly more training.
We were never able to take someone straight from university and put them on a project.
> But you might find it hard to change industries, which is a problem at the moment for finance folks (major job cuts at the two Swiss investment banks).
Do you have any source for that? Genuinely curious, because I haven't heard about that beeing an issue.