Banking - what positions, salary, where to study, what to take. About the profession of a bank employee for children What is the responsibility of a banker
The need of the banking sector for qualified employees is growing every year. The most acute issue is with representatives of the highest echelons of the region, which include bankers. These can be not only owners of capital, but also managers in a structure owned by the state or a private person. The scope of their duties depends on the position, instructions, provisions of the employment contract. Such workers traditionally receive high salaries. At the same time, they bear the burden of responsibility to clients, colleagues, employers, legislative and inspection structures.
Occupation definition banker describes a highly qualified bank employee who deals with financial transactions. Most often, it all comes down to direct or indirect work with clients, providing a certain range of services to those who wish.
Some bankers do internal work in their institution. They are engaged in analysis, forecasting, take part in the audit, plan the strategy of a financial organization.
Features of the profession of a banker
For a representative of the direction, a financial education is required, a narrow specialization in one or more of the many economic profiles is welcome. According to the employees themselves, 80% of their time is devoted to analyzing information, processing data, and maintaining documentation.
Don't confuse a banker with a bank worker. The activity of the former is more ambitious, it is difficult to find a clear description and definition for it. Usually, representatives of the profession control the course of all financial processes in their organization.
A good banker should be versed in all major banking areas:
- lending - issuance of loans and all related operations;
- investments - analysis of options for investing money in short-term or long-term projects. This also includes the sale, association, division, financing of enterprises;
- securities - issue, support, sale and purchase of securities, their placement on domestic and international markets;
- treasury - commercial operations in the conditions of the foreign exchange market, which allow you to make a profit on changes in the exchange rates of monetary units of different countries;
- stock market - creation, launch, placement of bonds or shares of the bank itself on stock exchanges;
- plastic cards - work with credit and debit cards;
- tellers - part of the bank, which is engaged in direct servicing of its customers, providing them with information;
- legal support - assessment of the legitimacy of the actions of the bank's structures, prevention of cases of fraud within the structure, protection of the organization's interests in courts;
- reporting - informational and statistical part of the activities of the financial structure. Each bank must maintain and provide everyone with data on their income, profitability of operations, the number of customers, the list of services;
- marketing - the advertising department, on the work of which the popularity and recognition of the organization depend;
- financial analysis is one of the most important areas of work of the structure, in which the financier himself is directly involved. Gathering information, comparing data, evaluating the institution's performance helps management increase profits and reduce losses;
- automation and the introduction of information technology - computer support in the banking sector, which is gaining more and more importance. A professional should be guided by modern technical achievements in this area, on which the safety of his organization, the quality of the services provided depend.
In most cases, the participation of a banker in the conduct of these areas is reduced to the development of financial proposals, an assessment of the demand for services, and an analysis of the results. The income of the enterprise, its demand in comparison with competitors depends on the timeliness of making changes to the strategy chosen by the bank.
Pros and cons of being a banker
One of the main positive aspects of the profession of a banker is the possibility of fast and rapid career growth. A graduate of a specialized university with a high level of intelligence, hard work and ambition in just 3-5 years is able to rise to a senior position in a prestigious bank.
Another positive aspect is the demand for such specialists. In the absence of a place that meets the needs within Russia, an experienced financier can count on a profitable offer from a foreign country.
Any banker gets well, regardless of whether he is a business owner or an employee. The knowledge gained during training in the profile can be useful to a financier if he decides to change the area to an adjacent one or go into business. Usually, bankers quickly develop useful connections and valuable contacts that contribute to their professional growth and provide a stream of profitable offers.
Risks and a high degree of responsibility are the main disadvantages of the profession. Incorrect analysis, miscalculation, error can cause serious financial losses. A hired banker is responsible for the performance of his work to the founders of the business, the owner of the bank risks his own funds. Such conditions cause stress that not everyone can handle. Even the financial activities of such large organizations as banks are regulated and monitored by higher authorities. Incorrect actions can lead to lawsuits, criminal proceedings.
Important qualities
A banker is a person with an analytical mindset, mathematical abilities, quick reactions and the ability to adapt to changing conditions.
Anyone who is aimed at career growth should prepare for a long study. The knowledge provided by universities may not be enough. For a banker, it is important to understand not only finance, but also psychology, economics, the legal aspects of banking, and to speak foreign languages.
A person who deals with finance must be:
- attentive, accurate, pedantic;
- responsible, disciplined;
- purposeful, proactive;
- sociable;
- aimed at continuous learning, personal and professional development;
- punctual;
- able to remain calm, analyze and make decisions in difficult situations.
In the case of bankers, not only internal qualities, but also external data are of particular importance. Research has shown that clients are more receptive to neat, tidy, attractive financiers. People readily trust their money to someone who personifies confidence, success, stability.
Place of work
For the most part, bankers work in banks, but the possibilities of specialists are not limited to this. The knowledge and skills gained during their studies allow them to get jobs in public and private organizations as financial directors and managers. A banker can be accepted into the planning department of a large enterprise, an insurance company, a credit institution, a stock exchange, an investment firm. In such companies, they earn no less, and sometimes even more, than in a bank.
How to become a banker
To become a banker in the full sense of the word, you first need to get a specialized education. Then you need to get a job related to finance, gain experience. Even graduates of the most prestigious economic universities do not receive an offer to head a bank immediately after receiving a diploma. At best, they get a job as an analyst, deputy head of a department or division, assistant manager. Sometimes novice bankers, having secured the financial support of investors, launch their own projects.
Where to study to be a banker
Employees of mid-level banks are trained by specialized colleges and lyceums. You can enter them after 9th or 11th grade. In Moscow, the most popular are the Moscow Credit College and the Moscow Commercial Banking College. Institutional graduates may not qualify for a banker's position, but it can be an early start to their financial career. Young people are increasingly choosing this option, because it allows you to start working at the age of 18-19 and gives you the opportunity to simultaneously study at a university in order to improve your skills.
Supporters of classical higher education can study at any of the numerous economic universities in one of two specialties - "Finance and Credit", "Banking". For admission to most institutions, high scores in mathematics, the Russian language, and social science are required. At some faculties, grades in a foreign language and computer science are additionally taken into account. More and more schools with an economic focus are opening in large cities of Russia. Their students are purposefully prepared for admission to higher educational institutions of a financial profile.
How much does a banker earn
A graduate of an economic university can count on a starting salary of 20,000 rubles or 2,000 dollars. The salary of a banker depends on the qualifications of the applicant, the type of his position, the prestige of the financial institution, the list of duties of the employee.
Financial analysts, IT specialists, banking marketers, and traders can count on the most profitable career start. All of them can equally count on career growth. On average across the country, bankers of various levels are paid from 30 to 350 thousand rubles. The profit of the owner of the bank can be in the millions.
Career steps and prospects
The start of the professional activity of most future bankers begins with the place of an ordinary employee of a bank, an insurance company, an investment fund. With high-quality performance of work, raising the level of qualifications, the absence of serious mistakes and complaints in 1-3 years, you can become an assistant to the head of the department. Further career growth provides for the transition to leadership positions. The position of the head of the department is followed by the position of the branch manager, the curator of the direction, the head of the service at the central office, the deputy director of the bank. The end point is the position of a banker, after which development can continue in a horizontal plane - a transition to an institution with better conditions.
Already at the beginning of their careers, ambitious financiers begin to forge connections that can be beneficial in the future. Some initially aim at their own business or plan to build a career in foreign banks. The profession of a banker has another big plus - age here is equated with experience, so you can work all your life. After the end of active work, many bankers continue to engage in business or finance, give advice on investments.
famous bankers
Since 2004, December 2 has been celebrated as a holiday - the Day of the Bank Worker in Russia. The newest history of the direction in our country is still very young, and in the world it has been actively developing for almost three hundred years. The Rothschilds and the founder of the Mayer dynasty, Amschel Bauer, are traditionally considered the most famous representatives of banking. No less significant are the figures of William Paterson, John Rockefeller, George Peabody, Herbert Stepic, Viktor Gerashchenko.
A modern banker is a businessman with a huge amount of knowledge and practical skills, able to make money out of thin air. But behind a beautiful picture are years of study, work, irregular working days, losses and stress. The situation in the field of global finance is constantly changing, only a few have time to adapt to it, benefiting from it. Not everyone is able to work as a banker, but if you have the necessary qualities, the career of a risk-taker can be quick and successful.
The word "banker" evokes positive associations: a large amount of money (for example, like Scrooge McDuck in the Disney cartoon "DuckTales"), respect, expensive cars, apartments.
Can they become a modern graduate? Not excluded.
Let's see in general what kind of profession is banking, and how "bank employee" and "banker" correlate with it. Let's figure out who does what. If you are puzzled, where can you get a loan for an unemployed student? The service https://loanexpert.net.ua/kredit-dlya-studentov/ will help you with this, for the selection of profitable loans with a minimum interest rate.
Bank employees - who are they and what are their functions
Bank employees are ordinary bank employees who, in most cases, interact directly with customers and perform specific banking operations that do not require in-depth analysis.
Functions are defined by specialization:
- credit advice;
- advice on deposits, servicing depositors;
- work with plastic cards;
- conducting foreign exchange transactions.
Who is a banker and how to become one
A banker is a financial manager, a representative of the highest administrative level, who does not work directly with clients and does not perform specific banking operations, as an ordinary employee, but is engaged in forecasting, planning, conducting a deep comprehensive analysis of the bank's activities, the state of the economy (regional, national, foreign), etc.
Obtaining an economic education is necessary for the profession of a banker. It is also desirable to have a legal, managerial. Internships in leading banks, fluency in several foreign languages are desirable.
The most famous bankers are the Rothschilds, John Rockefeller and others.
List of positions in the bank
Who can work in a bank?
Here's a short list in ascending order:
- cashiers-operators and currency cashiers;
- maintenance specialists;
- credit specialists;
- middle management consultants;
- banker, manager
In addition, there are specialties related to banking, but indirectly related to it: IT service specialists, lawyers, debt collection specialists, etc.
What education do you need to work in a bank
Working in a bank requires the candidate to have an economic education. The profile is decisive.
So, a cashier who is engaged in receiving and issuing funds can graduate from Accounting, Analysis and Audit, Finance and Credit. The second option, like "Banking", is the most common.
What items need to be handed over to the banker
After grade 11, the results of the USE in the following subjects are provided to the selection committee: mathematics, Russian language, social studies.
Some universities replace social studies with a foreign language.
TOP-5 universities with the specialty "Banking"
The future profession is largely determined by the level of the university.
Let's list leading universities that train in this specialty:
- Lomonosov Moscow State University;
- Moscow State University of International Relations;
- Financial University under the Government of the Russian Federation;
- High School of Economics;
- Russian Economic University. G. V. Plekhanov.
Often "Banking" expands or vice versa, narrows. The description of the directions may look like:
- "Banking Manager";
- "Finance of the production and banking sectors of the economy";
- "Banking and risk management";
- "Money, banks, financial markets".
The curriculum of the specialty "Banking" includes such disciplines as:
- banking regulation of foreign exchange transactions;
- investment portfolio management;
- credit policy of the company;
- banking risks;
- settlement and payment systems;
- electronic innovations in the banking business;
- processing and control of banking transactions, etc.
How many years to study
The term of study depends on the number of years spent in a general education institution:
- After 9th grade a graduate can enter a college (for example, at Synergy University) with a study period of 2 years and 10 months;
- After 11th grade- it is possible to enter, firstly, a college - 1 year 10 months; secondly, to the Faculty of Economics at the institute with a term of study of 4 years (full-time bachelor's degree). You can continue your studies in the magistracy lasting 2 years (full-time);
There are also short-term courses - from 3 months to 12.
How much does a banker get
The average salary of a banker in Russia is 300,000 rubles. A bank employee receives an average of 45,000 rubles.
Income depends on the position, work experience, region. For example, the salary of a bank employee is 41,167 rubles, a mortgage consultant is 50,417 rubles.
Career growth in the bank
A career in the banking sector is developing quite intensively, which especially attracts young professionals. There are cases when, in 8-12 months, a banking specialist acquires the necessary skills to work in the middle link.
What a good banker should know and be able to do
The requirements are quite serious:
- A banker must know perfectly not only banking, but also financial law, administrative law, and the specifics of personnel management.
- A banker must be able to predict the dynamics of the development of the national system and foreign; understand what the consequences may be as a result of the strengthening or collapse of a particular currency, how it will affect the country's economy.
- The specialist must be able to plan the activities of the bank; evaluate which banking products are in demand, lose their relevance, are not in demand; track the dynamics of the interest rate on deposits, loans, mortgages in comparison with the offers of other banks and the situation on the world market.
- An experienced banker, in order to increase the profitability of the bank, can invest in large objects, as well as act as a partner on mutually beneficial terms (for example, a reduced mortgage rate when buying an apartment from a certain developer).
At the same time, the qualities of a banker must be appropriate:
- purposefulness;
- foresight;
- enterprise;
- stress resistance;
- sociability;
- the ability to take risks;
- responsibility.
Pros and cons of working in a bank
The advantages of the profession include its demand, the presence of a large number of offers on the labor market in all regions of the Russian Federation, high wages, good working conditions, the presence of a corporate program in addition to social guarantees in many banks.
Among the shortcomings of the profession, one can note a high degree of financial responsibility, the need for constant regulation of emotions, tone and timbre of speech in order to create the image of a friendly, client-oriented organization. Irregular working hours are possible.
Bank employees are qualified professionals involved in financial transactions. They accept deposits, issue loans, make payments. What professions are there in the bank and how much do their representatives earn?
Average salary: 50,000 rubles per month
Demand
Payability
Competition
entry barrier
prospects
The position of a bank employee belongs to the category of stable and prestigious. The salaries of employees of financial and credit institutions are decent, and there are no problems with career growth - there would be ambitions. It is indicative that over 40% of economic graduates are looking for a job in the bank. At the same time, bank employees are a collective concept, which means at least a dozen professions - from a teller to a financial analyst.
History reference
The origin of banking took place approximately in the second half of the 3rd millennium BC. At that time, moneylenders appeared on the territory of ancient Babylon, who offered loans at interest. The first forms of such "credits" were of a natural nature, since there was no money yet.
A little later, in the 6th century BC, in ancient Greece, trapeziters (money changers) began their banking and credit activities. The main operation they carried out was currency exchange.
Developing, banking was replenished with new types of services. Loans were already given not just at interest, but also secured by collateral. Valuables and real estate were accepted as the latter.
Registration of the first national bank was made much later - in the 16th century. England was the pioneer. But, as they say, the first pancake turned out to be lumpy: the owners made a lot of mistakes. For example, bank employees had no right to disclose some information about the institution, its founders and investors.
Characteristics of the profession
The duties of a bank employee are reduced to conducting various financial transactions. He may be engaged in lending, processing approved documentation for holding funds, or selling securities.
Being at the cash desk, a bank employee is responsible for material values. He draws up the necessary documentation, recalculates and transfers financial resources, issues money to customers, acquires and sells currency. He can also give advice to bank visitors on various issues, prepare reports together with colleagues, engage in forecasting and planning.
Financial analyst
The main responsibility of a financial analyst is spelled out in the very title of this position. Its main tasks are to search and analyze financial information relating to the activities of a banking institution, as well as its competitors and the entire market. He has all the data on the state of affairs of the institution and competitors.
In addition, a financial analyst monitors market trends, calculates important indicators in the field of the economy, assesses risks and, based on the results, develops recommendations for management. They relate to the planning of the activities of a banking institution, the effective investment of finances and raising the level.
Personal Financial Advisor
The job of a personal financial advisor has a lot in common with that of an analyst. The only difference is that the consultant does not cooperate with the management, but with the clientele of the bank.
The financial consultant provides information assistance to clients - both individuals and legal entities. His responsibilities include advice on the best ways to manage personal funds. It shows how to make a forecast of expenses and income for a particular period, helps to develop a budget, select a suitable investment program and compile a statistics report.
Accountant
Among bank employees, the profession is one of the most common and is considered one of the most numerous in terms of the number of staff positions. The job responsibilities of such an employee include analysis, planning and evaluation of the bank's income and expenses.
Accountants work in their own department, which is called that - accounting under the leadership of the chief accountant. He carefully controls the correctness of all accounting transactions. If a mistake is made somewhere, they will be asked first of all from him. In addition, he ensures that the financial, labor and material resources of the bank are used rationally and economically.
Auditor
Any can be internal and external. Since we are talking about bank employees, we are more interested in the specialist on staff. He scrupulously checks and analyzes financial, operational and other information about the work of the institution. The result is a completely unbiased assessment of the state of banking.
The internal auditor, in particular, points out the existing shortcomings in the control system and evaluates how well employees perform their duties. What is all this for? The main goal is to identify sources of potential loss.
Loan Expert
When you want to borrow money to buy a product and go to the bank for it, you will be immediately directed to. What is this profession and what does its representative do?
A loan officer is the person on whom it entirely depends whether you end up with a loan or not. In his work, he is guided by the internal policy of the bank and his assessment of the client's solvency. Based on these two criteria, he makes a decision - to grant a loan or refuse.
In addition, this specialist gives detailed advice on all issues related to lending. Preparation of documents necessary for concluding a loan agreement is also his responsibility.
Operationist
The profession of a teller, like an accountant, is also one of the most common and numerous in terms of the number of staff positions. Most often, bank customers turn to him for help.
The operator introduces individuals to the services offered by the bank. He explains their benefits in detail, as he is interested in customers using them. It also helps to draw up a contract correctly, to carry out any available operation on bank accounts and plastic cards. He can be asked to make a payment, make a money transfer, open a deposit, and so on.
Where to study
What should a bank employee know? Naturally, banking. It is this specialty that you need to pay attention to in the process of searching for a secondary specialized or higher educational institution. "Finance and credit" is also suitable.
Training in the specialty "" is conducted in a good half of colleges and universities in Russia. Here is a short list as an example:
- Moscow City Open College.
- Moscow Financial and Law University.
- Vocational Education College of Perm State University.
- Kaliningrad Business College.
- Russian New University.
To enter universities, one must pass the Unified State Examination in mathematics, Russian language and social science. Some universities may also require the results of an exam in history and (or) English - this must be clarified in the selection committee. In secondary schools (colleges and technical schools) they enroll according to the competition of certificates.
Duties
Each bank employee has a set of responsibilities that are directly related to the profile of his activity.
- The cashier-operator checks the documents presented by the client for authenticity, counts the money that he receives and issues, performs operations with bank securities and plastic cards, fills out various certificates and draws up other documents within his competence.
- Bank agents and managers actively, but unobtrusively, offer the services that the bank provides to customers. In addition, they provide detailed advice on issues that interest a potential client.
- Bank employees who belong to the management are responsible for the distribution of responsibilities between all employees, take part in the development of new products and projects, and predict the further development of the bank.
Skills and personal qualities
An applicant for the position of a bank employee is evaluated not only by his education, qualifications and professional achievements. The employer also pays attention to his personal qualities. A successful employee is always attentive, disciplined, punctual, responsible and, of course, competent in the field of finance and economics. What else is important for such a specialist? He needs to have the ability to quickly and accurately conduct mathematical calculations. In addition, he must politely and clearly explain incomprehensible points to customers.
To achieve career heights, a bank employee must be able to fully concentrate on work and constantly improve their level. Initiative, purposefulness and perseverance will help in this.
In addition to all of the above, a bank employee needs to own:
- knowledge of a personal computer and the principles of operation of office equipment;
- communication skills;
- well-set diction;
- the basics of conflictology.
Wage level
A bank worker can make a career fast enough. Of course, career take-off affects the salary. A beginner earns on average in Russia from 20,000 to 35,000 rubles. For six months of productive work, it is quite realistic to rise to the level of 45 thousand rubles.
Salary for senior middle management positions (senior loan officer, regional manager) - approximately 60-80 thousand rubles. Employees with experience and high qualifications can receive about 100-130 thousand rubles.
Career
As a starting step, you can choose the position of a clerk, an assistant accountant or a customer service employee. To climb the career ladder, you will need a higher education. It is also important to have professional skills and abilities. If a bank employee makes every effort, he may well become first the chief specialist, then the head of the department, and even aim at the post of director.
Prospects of the profession
Choosing the profession of a bank employee, you can not worry about the difficulties of finding a job. Financial and credit institutions today are growing like mushrooms after the rain, and they all need good specialists.
Banking professions are still classified as the most reliable and stable. This concerns the near future. If you look a little further, then in the not too distant future - the transition to automated Internet systems for payment and other financial transactions. What does it say? Bank workers will be gradually reduced as they will have to serve an ever-decreasing number of those who will not be able to adapt to innovations.
Among the specialties that have been gaining popularity in recent decades, banking has a strong position.
This is natural, because in Russia constantly growing number of banks and various financial institutions that provide services demanded by the population and organizations.
History of the profession
It can be said that banking one of the oldest professions, after all, even when banks in their usual form did not yet exist, for example, in Babylon seven hundred years BC, there were townspeople actively involved in usury.
Then there were analogues of modern bank notes, valued in gold.
Also, the rudiments of banking can be observed in ancient Greek society, where there was a separate layer of trapezes engaged in the exchange of funds and their storage, of course, under a certain percentage.
We owe to ancient Greece the appearance of settlement and cash services, which was expressed in the receipt and debiting of client funds on special accounts. And many temple complexes provided such a service as loans, because they had significant amounts in storage, which they tried to increase.
What is the profession?
Today, qualified specialists in this field can easily get a job in various institutions - financial, investment, credit, and they are also in demand on the securities exchange. Insurance companies and planning divisions of enterprises will not refuse such professionals.
Graduates of universities who have received diplomas in the specialty of banking prefer to get jobs at enterprises to the departments of investments, securities. The stock, economic and accounting departments are also considered prestigious. Therefore, such a specialist will definitely not remain unemployed.
Depending on the chosen place of work and the profile of the organization, the range of duties of a specialist may vary.
For example, in lending departments, he will probably have to accept applications for loans, analyze the client's solvency, evaluate collateral, monitor the use of credit funds, and monitor the safety of collateral. To put it simply, it is his responsibility to ensure the security of the transaction.
Where to get an education?
To work subsequently in organizations dealing with finance, it is necessary to have an education in the specialty "Economics", ideally, become a master in the specialty "Finance and credit". It is possible in the process of learning to decide on the desired direction of activity - accounting and operational or financial and credit.
Many universities in Russia offer such education, but employers highly valued diplomas from such universities: State University of Management, Russian Academy of National Economy and Higher School of Economics.
What do specialists who have completed the course "Banking" do?
The range of responsibilities of professionals in this field is quite wide. It all depends on the requirements put forward by the management of the company, the specifics of the work. But most common duties, which can be called common to all are as follows:
- the specialist checks how the client adheres to the actions specified in the contract;
- analyzes the credit capabilities of the borrower and his ability to repay the loan;
- calculates the cash balance and predicts cash turnover;
- maintains a file of documents;
- conducts operations in the lending market;
- draws up account statements;
- issues various payment cards.
This list can be continued, but in general it reflects the essence of the specialist's activity.
What qualities should a specialist have?
This profession, as a rule, should be chosen by people with an analytical mindset and abilities for mathematical analysis. Such a person should be able painstakingly systematize received data. It is very important to be able to focus on the details.
Bankers are easily given economic disciplines, they have a tenacious memory that allows them to perform the most complex operations.
Salary and career
Such qualified specialists are in demand in any organization that makes mutual settlements. However, wages differ significantly depending on the region and locality, the level and specifics of the organization.
Bankers share for top, middle and lower level employees and hence their earnings vary. As a rule, the minimum wage in this area is not less than four hundred dollars, but by showing yourself well, you can significantly increase your income.
To climb the career ladder in this field of activity, you need to take the initiative, improve yourself and prove yourself well. This profession will always be needed, because settlement operations are unlikely to ever disappear as unnecessary.
Very often you can hear that a person is a banker. However, this is a very broad definition that needs to be explained. Let's take a look at a banker who is who, what functions he performs and what is needed to become one.
Who are called bankers
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To begin with, it is worth deciding who are bankers? These are specialists, both middle and senior level, working in the bank, being the owners of the bank, being the heads of the department or subdivision.
In addition, specialists with banking qualifications can work not only in banks, but also in the planning departments of enterprises for various purposes and forms of ownership, they can work with investments, various financial institutions and insurance companies. Engage in loans and play on the stock exchanges.
Important qualities of the profession
In order to become a successful specialist, you must have the following qualities:
- Be careful;
- a high degree of responsibility;
- purposeful;
- initiative is welcomed;
- be constantly ready to receive new knowledge and engage in self-education;
- be able to quickly choose the most correct decisions;
- to be collected;
- clearly fulfill the professional tasks and requirements set for the specialist;
- internal self-discipline;
- be frugal;
- desire to earn more and spend less;
- be sociable;
- be able to pursue a balanced and reasonable policy.
Tasks banker
The professional duties of a banking specialist include:
- customer service;
- consulting on various financial issues;
- performance of analytical activities;
- planning and forecasting.
The list may be longer, since the higher the position, the more complex tasks will need to be solved.
Main positives and negatives
Among the positive aspects of the profession of a banker are:
- stable high salary or income;
- the opportunity to make a career, starting with an ordinary one and ending with the head of a department or branch;
- access to a new social status.
The main disadvantages include:
- irregular working hours - when there is a desire to make a career, you have to spend a lot of time doing a certain amount of work;
- huge responsibility for the operations performed;
- there is no right to make a mistake, since the harder it is, the more opportunities to lose your job altogether, receiving a huge fine in addition, if not a criminal case;
- some commercial banks are closing, which leads to the search for a new job;
- you need to constantly engage in self-improvement, especially if you want to make a career.
As you can see, the work of the specialty of a banker is someone who can not only be able to count, but also correctly distribute the funds received, largely increasing them. In addition, he must be well versed in areas such as finance and marketing.
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