Personal qualities of a banker. About the banking profession for children
Banker - the owner of bank capital or an employee participating in the banking business. The latter include managers, consultants or other employees. The profession of a banker is considered to be in demand. At the moment, there is a severe shortage of such highly qualified specialists.
Description of the profession - what does the banker do
The position held determines what the banker does. The work of ordinary employees is to interact with customers. The banker's obligations are conventionally divided into main (working with finances) and auxiliary (assessing the prospects of borrowers, studying the financial industry).The main responsibilities are:
- service
- counseling
- analysis
- planning
There are 8 main banking divisions:
- lending (granting loans, accepting loan payments, analysis of the financial condition of the borrower, and so on)
- investment (analysis of projects that need long-term loans)
- stock department (deals with the placement of bonds and bank shares in the stock market)
- legal department (opening and closing client accounts with verification of the legitimacy of the presented operations, exercising control over arbitration processes, is a bank representative in court)
- securities (issue of bank bills, placement of securities on the stock exchange)
- treasury (the implementation of various operations on financial market for profit)
- plastic cards department (receiving, issuing bank plastic cards)
- marketing (advertising the activities of a particular bank in order to attract new customers)
Important! Banker and bank employee are different directions. A banker in the pure sense is a businessman, owner of a bank, bank capital. Bank employee - a hired specialist in the banking structure, holding a certain position.
Who can become a banker: suitable qualities for work
Any specialist who decides to work in financial sector, It is advisable to graduate from the university in the relevant specialty and have a standard set of skills. This includes sociability, punctuality, neatness, accuracy, attentiveness and so on.
A qualified banker has the following set of qualities:
- analytical mind
- ability to process a large amount of information
- responsibility
- ability to delegate (delegate tasks to subordinates)
- efficiency
- energy
- hard work
- active life position
- determination
It is necessary to be prepared for related activities. For example, an employee of the legal department of a bank must understand not only legislative framework, but also have knowledge in finance. This allows him to quickly solve problems, correctly and mutually beneficial to draw up contracts.
What to do to study as a banker: necessary subjects
You can learn to be a banker at any university of an economic orientation. It is important to choose a specialized educational institution of economic and financial orientation. Mostly these are “Banking” and “Finance and Credit”.Graduates with a specialization in Banking are suitable for work in investment, insurance institutions and financial departments of the bank. Specialists in the field of "Finance and Credit" work in financial centers, credit enterprises and directly in the banking structure in the relevant departments.
A person who wants to go to a banker, passes the following items:
- entrance exam in mathematics (passed in writing upon admission)
- mathematics as a subject
- USE in a foreign language
- Unified State Exam in Russian
- Economy
- Jurisprudence
- Social Studies (surrenders at some universities)
Tip. A qualified bank employee understands several directions. For example, an employee of the marketing department, in addition to the main specialty, must also understand the finances and features of banking software products.
What salary can a banker expect
The salary of the banker depends on the department in which he works, and the position held. The highest paid is the director. The work of such a specialist is estimated at 4 thousand dollars or more. Such an income is justified high risks, the greatest responsibility and a wide range of tasks.
For example, the director of the direction of lending to the population has the following responsibilities:
- organization of the sales process of various loans
- building verticals of regional offices
- organization of staff development
- motivation of partners and staff
- responsibility for the implementation of the bank's business fee on consumer loans
For different heads of departments are provided different types salaries presented below (expressed in thousand dollars):
- lending process development department - 1.8
- credit risk management department - 2.2
- IT project - 2.5
Economists and accountants receive a relatively modest salary of an average of $ 500. Their duties are management accounting statements and support of banking operations. The main requirements for candidates are the ability to work in office software, accounting knowledge, responsibility and attentiveness.
Competent banker resume
There is a set of rules by which a banker's resume is compiled.Such a document has a standard set of information:
- Name of candidate
- education
- career objective
- age
- marital status
- address of residence
- contact details
- terms of cooperation
- employment (full / part-time)
- schedule
- work experience
- skill level
How to become a banker: video
Bank employee - stable, interesting, prestigious work with high salaryexcellent growth prospects. More than 40% of graduates of economic specialties go to look for work in the bank.
The profession of a bank employee is a collective concept that unites all employees of financial, credit / deposit organizations performing various functions. The latter determine the salary of a specialist, the direction of career advancement, the nature of work.
Activities
The wider the network of company branches, the more complex the structure banking organization, more vacancies, areas of employment of full-time specialists. Most popular / demanded activities:
- Advice on loans. Here is the division into blocks of retail, corporate lending. First specialists are engaged consumer loans (by attracting borrowers, analysis of documents, technical support of issuance, counseling). Credit inspectors / experts of the corporate department analyze customers' activities, prepare resumes, protect potential borrowers on credit committees.
- The deposit department is engaged in servicing deposits / depositors. Consultations, execution of contracts, attracting investors to implement the plan - all this is included in the functions of the performers.
- Employees of the department of plastic cards carry out registration of products of the organization, engage in the attraction / maintenance of mass contracts ( salary projects, fuel cards, pension cards).
- The foreign exchange department (+ securities service) is engaged in analytical practice, foreign exchange transactions, auctions, loan restructuring.
- The administrative link - managers of departments, branches - conduct coordination work, carry out planning, report to the management on the results.
- The Strategic Management Department is engaged in forecasting the development of the company, developing concepts, strategies, and growth tactics.
- Cashiers / tellers - specialists serving the flow of customers (checking documents, counting money, transfers, issuing funds) or internal calculations company.
- Employees of the RKO department accompany the accounts of corporate / private clients.
In addition, the staff of a large / medium bank includes lawyers, trainers, regional managers, marketers, and security personnel.
Professional skills of a bank employee
To take place in the profession, are required:
- advanced mathematical skills;
- increased quality of ownership of computer tools;
- effective communication skills;
- ability to clearly express thoughts, present bank products;
- well-posed diction;
- basic knowledge of conflict management;
- responsibility, attentiveness, perseverance.
Qualification and Education Requirements
99% of employers indicate the basic requirement is a fairly high level of professional training (HPE). The main “forge” of banking personnel is financial departments. We have this “Banking”, specialty “Finance and Credit” of the Faculty of Economics.
Cashiers take accountants, economists. Future managers are more free to choose where to study. Many graduates of our management courses (“Human Resource Management”, “Strategic Management” profiles) have been successfully employed by regional directors of financial and credit organizations, managers of departments / branches.
Additional skills
The financial services market is constantly growing; he was the first to switch to automated systems and digital technologies. All this defines high requirements for employees. The most important of them are:
- good knowledge of special software;
- english proficiency
- online service promotion skills;
- modern methods of analysis (business value, financial stability of the borrower).
Income and career opportunities
The field of work in the bank is one of the few where career take-off is very likely. First wage it can be 20–35 thousand rubles, in just 2–5 months the employee receives up to 45 thousand. The salary of middle-level managers, senior loan specialists, regional managers starts from 60–80 thousand rubles / month. Experienced experts get 100-130 thousand
No matter how much romance convinces us that happiness is not in money, without pleasantly rustling banknotes and hard-wearing coins to live in modern society impossible. That is why people strive not only to earn "despicable metal" for current needs, but to put aside a "tight" penny. For these purposes, most people prefer to use the services of banks, in which the savings do not just lie, but "work" and sometimes bring good income in the form of interest.
No matter how much romance convinces us that happiness is not in money, it is impossible to live in modern society without pleasantly rustling banknotes and ringing coins. That is why people strive not only to earn "despicable metal" for current needs, but to put aside a "tight" penny. Some people still use the old grandfather's way to save the deferred money - the usual glass jar. But most people still prefer to use the services of banks, in which the savings do not just lie, but "work" and sometimes bring good income in the form of interest.
Well, as there are more and more people wishing to use the services of banking institutions every day, popularity banker profession among applicants increases exponentially. A significant role in the growing popularity of this profession is played by the eternal desire of people closer to money, as well as the benefits of working in a bank, which we will talk about today.
Who is a banker?
A banker is a bank employee who takes part in working with clients of a financial institution, a manager involved in the banking business, or an owner of bank capital. In other words, a banker can be called any key specialist institution associated with the financial sector.
The name of the profession (as well as the financial institution itself) came from the Italian "banco" (a table on which money changers laid out coins). Accordingly, initially those who worked at the table were called bankers. And today the bankers function that was usual for us today was performed by moneylenders, who from ancient times carried out the most popular operation in modern banks - lending.
Today banker is a multifaceted specialist who knows how to properly handle financial flows, manage loans and credits. In fact, it is representatives of this profession who are intermediaries and operators of the credit system of the whole country.
The field of activity of any banker covers not only the provision of financial services to physical and legal entitiesbut also purchase / sale public funds and interest-bearing securities of private enterprises, cash and bill transactions, etc. In professional duties bank employee includes consulting, customer service of a financial institution, analytical activities, forecasting and planning.
What personal qualities should a banker have?
Since all job responsibilities a banker is somehow connected with money (and this is mainly the money of bank customers), such a specialist, first of all, should possess such qualities as responsibility, honesty and decency. In addition, the banker must be:
- attentive;
- patient;
- purposeful;
- proactive;
- sociable;
- disciplined;
- thrifty.
Also banking specialist can never succeed in the professional field if he does not have the ability to analytical thinking, quick response to unexpected situations and finding the most optimal solutions, the desire for self-education and the clear implementation of their professional duties.
Benefits of the Banker Profession
The banker's profession has a lot of advantages, which it is practically impossible to list in the framework of only one article. Therefore, we will focus solely on those that, as they say, "lie on the surface."
- Kudos - a banker belongs to elite professions, especially if it is about bank employee top management.
- Stability - in comparison with other commercial enterprises that appear and disappear, banks are considered to be a stronghold of stability.
- Huge prospects for career growth - if desired, the young specialist has a real opportunity in a short time to overcome the path from a simple cashier to a middle or senior specialist.
- Universality - experience in a banking institution allows a specialist to work not only in commercial bank, but also on exchanges, insurance organizations, investment design departments, etc.
Disadvantages of the Banker Profession
Like any other profession, work of a banker It has not only advantages, but also obvious disadvantages. And, above all, this is an irregular work schedule, which has the most negative effect on building personal relationships. In addition, applicants who want to get this profession must take into account that the work of a bank employee has such disadvantages as:
- monotony - the basic banking operations are a routine and monotonous work, which also requires high concentration and utmost care;
- responsibility - the banker, like the sapper, has no right to make a mistake. Moreover, the higher the position, the greater the responsibility;
- succession of posts - in order to occupy a senior position, it is necessary to work out consistently in all divisions of the bank.
Where can I get the profession of a banker?
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Get a banker profession You can in one of the specialized universities of Russia at the Faculty of Finance or Economics. Such a university is available in almost every region and city of Russia, so problems with the choice of an educational institution should not arise.
One of the prestigious and fashionable professions of our time, both among males and females, is a specialty related to the banking sector. Without this sector of the economy, many cannot imagine their lives, especially residents developed countries. This is due to the fact that if we do not keep our savings in the bank, we use their services to carry out any cash transactions. In this article, I propose to understand: “Banking, what kind of profession is this?”, Features of the specialty, development prospects, wages and places of employment after training.
Profession Description
The origins of the profession associated with bankingoriginate from ancient times. It is believed that the founder of this specialization is Babylon, where people were actively engaged in usury. And the formation and development of banking relations took place actively in the territory Ancient greece. Here there was a special layer of society - the meal ( either money changers) - which under certain conditions carried out storage or exchange of finances. It should be noted that for the first time settlement and cash services It was essential precisely in ancient Greece.
With the advent of banks that are intermediaries in the implementation of financial transactions, moneylenders and meals were a thing of the past, and bank employees — bankers — came to replace them, giving impetus to the development of the banking specialty.
A banker is an owner of bank capital, as well as managers involved in the banking business. The list of duties of such a specialist depends on the position held, however there is a general list consisting of:
- Monitoring the implementation of agreements between the bank and the client;
- Conducting a credit analysis of a potential borrower;
- Keeping a cash register and making a forecast of cash assets turnover;
- Maintaining a card file of documents;
- Execution of transactions in the lending market;
- Generation of account statements;
- Registration of payment cards.
It is customary to single out the main types of posts in this industry. These include: a banking specialist, financier, financial analyst, investment adviser, financial controller and loan officer.
The profession associated with credit and financial structures, it is necessary to choose people who have the following set of personal qualities:
- Analytical mind;
- Purposefulness;
- Stress resistance;
- Responsibility and scrupulousness;
- Fast learner;
- Good memory;
- Ability to interact with people;
- Hard work and perseverance.
With these qualities, you can achieve great success in banking.
The following requirements are imposed on employees of the financial sector:
- Have an understanding of accounting;
- Understand the essence of the movement of financial flows, and be able to carry out financial transactions;
- Be able to communicate and find an individual approach to each client;
- Have skills in psychology, for understanding, in the process of conducting a conversation with a potential client, the level of his solvency;
- Be good psychologists, so that in the process of communication be able to determine the solvency of the client;
- Have knowledge of credit operations;
- To make extracts from the personal accounts of the client;
- Be able to provide advisory services in financial matters and lending;
- Know the features of the preparation of banking documentation;
- Speak a foreign language;
- To be able to analyze financial condition and, based on the information received, make a forecast, etc.
The Importance of Banking
The economy of any modern state cannot do without the functioning of the banking sector. It acts as an effective tool in the development of any market relations, ensuring the safety and augmentation of the accumulation of the population, the provision of loans.
Properly structured policy of organization, management and development of banking activities allows you to:
- Effectively manage the assets and liabilities of customers;
- Provide services for saving, lending, investing;
- Carry out foreign exchange transactions, cashless payments, etc.
Thus, the quality of the functioning of the banking sector affects the development of the state economy, which in turn requires the availability of qualified specialists in this industry.
Where can a banker work?
The main activity of bankers is lending. However, their range of job search for specialization is not limited to banks. This is due to the fact that the functioning of the organization associated with the management of financial flows implies the mandatory presence of a banker in the staff. That is why there are a number of the following institutions where there is a need for such employees:
- various financial institutions;
- financial planning departments;
- investment design departments;
- securities department;
- exchange organizations;
- credit organizations;
- insurance companies, etc.
Pros and Cons of Banking
When considering banking in terms of positive and negative aspects, it is worth noting that the profession has more advantages than disadvantages.
The advantages of this profession include:
- Demand in the labor market in all regions of the country due to the development of the banking sector;
- High profit payment;
- Low entry barrier;
- The presence in some institutions of additional monetary incentives for the work performed;
- The possibility of career growth that does not require long time expenditures, in comparison with other professions;
- Kudos to the field of activity;
- Decent working conditions;
- In some cases, provided health insurance employees.
As for the disadvantages of this profession, here we can distinguish:
- High liability;
- Irregular work schedule;
- At the initial stages of building a career, low wages and monotony of work.
Where do you study banking?
Work in this field of activity involves the presence of an economic education. Candidates for a position in banking institutions must receive education in one of such areas as:
- 80108 Banking;
- 80105 "Finance and credit."
Obtaining an appropriate profile is not limited to two areas, it is necessary to pay attention to narrower educational programs:
- "Banking Manager";
- “Finance of the manufacturing and banking sectors of the economy”;
- “Banking and risk management”;
- “Money, banks, financial markets.”
The corresponding education can be obtained both after the 9th grade (college, school), and after 11th (university). For admission to Russian universities in these areas of study, an applicant must pass exams in the following subjects:
- Maths;
- Russian language;
- Social Studies / Foreign Language.
The following are the leading institutions in the country that train sought-after banking professionals.
Colleges (total 153 in the Russian Federation, duration of study - 2 years 10 months):
- College "RANEPA under the President of the Russian Federation";
- College of Moscow State University;
- Perm College of Finance and Economics University of Finance under the Government of the Russian Federation.
Higher educational institutions (a total of 288 in the Russian Federation, the term of study at the bachelor's degree is 4 years, at the magistracy - 2 years):
- Moscow State University of International Relations;
- Financial University under the Government of the Russian Federation;
- National Research University Higher School of Economics;
- Russian University of Economics G.V. Plekhanov.
- RANEPA under the President of the Russian Federation;
- MGIMO of the Ministry of Foreign Affairs of Russia;
- Leningrad State University named after A.S. Pushkin;
- Moscow State Technical University named after N. E. Bauman.
The passing score, depending on the region in which the university is located and its prestige, in the area of \u200b\u200bBanking is an average of 65 points. The cost of training in the country is from 40-350 thousand rubles / year.
Wage
The salary of a banking specialist, according to the employment center, is:
- Minimum - 16.8 thousand rubles.
- Average - 46 thousand rubles.
- Maximum - 300 thousand rubles.
It is worth noting that average earnings bank employee is slightly higher than the average income level of the population of Russia. But if we take into account the income level of the managing sector, then this figure will increase significantly. This is due to the significant difference between ordinary workers and managers.
The average salary for positions in financial institutions is presented below in the graph:
Comparing the income of Russian and foreign bankers, it is worth noting that Russians receive several times less than their foreign counterparts. But despite this, the banking community occupies a leading position in terms of earnings in the Russian Federation. The remuneration of employees in this area depends on the position held, work experience, bank level and employee education.
Career
After receiving a special education, graduates often begin their careers with low-paying jobs: clerk, assistant accountant, or customer service employee.
However, the prospect of career growth in this area allows, given an appropriate level of education, special skills and special personal qualities, young specialist quickly move up the career ladder. For example, you can become a middle manager in a short period of time (about one year).
As for career growth, to take a higher position or to improve their own qualifications, employees attend all kinds of trainings, seminars, webinars and courses. Sometimes, organizations themselves send an employee to such trainings or invite specialists and conduct group classes to improve the professional qualities of company employees. Continuous development and improvement of professional qualities will help to achieve high results in career advancement. Where the peak will be the position of the head of a department or branch, deputy head, director of a banking institution.
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reference
The word "bank" came into Russian from Italian, where "banco" is a table, counter, bench, on which money changers and traders laid out money. The forerunners of banks are money-changing shops and shops of jewelers who kept clients' money with their gold. With the advent of currency in developed European countries, there was a need for a regulatory apparatus - the central bank. The bank was first founded in England in 1694.
In Russia, the first bank appeared in 1754. The Noble Borrowed Bank, established by decree of Elizabeth I, issued loans to representatives of the noble class. Over time, such institutions expanded their functions and ceased to be a privilege for a separate layer of society.
Demand for the profession
Demanded enough
Representatives of the profession Bank employee are quite in demand in the labor market. Despite the fact that universities produce a large number of specialists in this field, many companies and many enterprises require qualified Bank employees.
Description of Activities
The main task of bank employees is to conduct various operations. This may be lending, paperwork for storing money or selling securities. Working at the cash desk, the bank employee is responsible for safety material assets. He is engaged in the preparation of relevant documents, recalculation, issuing money to customers, buying and selling currency, translation money. This specialist can also advise bank visitors on various issues, participate in reporting, planning, forecasting.
Wage
average for Russia:moscow average:average in St. Petersburg:
Uniqueness of the profession
Quite common
Most respondents believed that the profession Bank employee can not be called rare, in our country it is quite common. For several years now, there has been a demand in the labor market for representatives of the profession Bank employee, despite the fact that many specialists are graduated every year.
How users rated this criterion:What kind of education is needed
Higher Professional Education
Questionnaire data show that for work by profession Bank employee you must have a diploma of higher professional education in the relevant specialty or in a specialty that allows you to work Bank employee (adjacent or similar specialty). Secondary vocational education is not enough to become Bank employee.
How users rated this criterion:Job responsibilities
The nature of the work responsibilities of a bank employee depends on his specialization. For example, an employee working in a bank at the cash desk needs to verify the authenticity of the client’s documents, accurately count the issued or received money, and perform operations with securities, plastic cards, fill out certificates and others required documents. Managers and agents, in turn, should offer the services that the bank can provide, advise potential customers on issues of interest to them. Banking employees holding executive positions should distribute responsibilities among the employees of his organization, participate in project development, and forecast the development of the bank and its branches.
Type of labor
Exceptionally mental work
Profession Bank employee refers to professions exclusively mental (creative or intellectual labor). In the process of work, the activity of sensory systems, attention, memory, activation of thinking and the emotional sphere are important. Bank employees distinguished by erudition, curiosity, rationality, analytical mindset.
How users rated this criterion:Career Features
Representatives of this profession work in banks. The starting point on the career path are such positions as clerk, assistant accountant, customer support officer. To further advance through the ranks, a bank employee will need higher education and professional skills. A talented and hardworking bank employee has the opportunity to grow up to the chief specialist, the head of the department and even the director of the bank.