Personal qualities of a banker. About the profession of a bank employee for children
Banker - the owner of the bank capital or an employee involved 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 a banker do
The position held determines what the banker does. The job of ordinary employees is to interact with customers. The duties of a banker are conditionally divided into basic (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 (issuing loans, accepting loan payments, analyzing financial condition borrower and so on)
- investment (analysis of projects that need long-term loans)
- stock department (deals with the placement of bonds and shares of the bank on the stock market)
- legal department (opening and closing client accounts with checking the legality of the transactions presented, exercising control over arbitration processes, is the bank's representative in court)
- securities (issue of bank bills, placement of securities on the stock exchange)
- treasury (carrying out all kinds of operations on financial market for profit)
- department of plastic cards (acceptance, issue of bank plastic cards)
- marketing (advertising the activities of a particular bank in order to attract new customers)
Important! The banker and the bank employee are different directions. A banker in its purest sense is a businessman, owner of a bank, bank capital. Bank employee - hired specialist in banking structure holding a certain position.
Who can become a banker: suitable qualities for the job
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Any specialist who decides to work in financial sphere, it is advisable to graduate from a university in the relevant specialty and have a standard set of skills. This includes sociability, punctuality, neatness, neatness, attentiveness, and so on.
A qualified banker has the following set of qualities:
- Analytical mind
- the ability to process large amounts of information
- a responsibility
- ability to delegate (delegate tasks to subordinates)
- promptness
- energy
- hard work
- active life position
- purposefulness
You need to be prepared for related activities. For example, an employee of the legal department of a bank should understand not only legislative framework but also have knowledge of finance. This allows him to quickly solve problems, draw up contracts correctly and mutually beneficial.
How to apply to study for a banker: required subjects
You can study to be a banker at any university with an economic focus. It is important to choose a specialized educational institution of economic and financial orientation. Mostly these are "Banking" and "Finance and Credit".Banking graduates are suitable for work in investment, insurance and financial departments of a bank. Specialists in the field of "Finance and Credit" work in financial centers, credit companies and directly in the banking structure in the relevant departments.
A person who wants to enroll in a banker takes the following items:
- entrance exam in mathematics (taken in writing upon admission)
- mathematics as a specialized subject
- Unified State Exam in a foreign language
- Unified State Exam in Russian
- Economy
- Jurisprudence
- Social Studies (for rent in some universities)
Advice. A qualified bank employee understands several areas. For example, an employee of the marketing department, in addition to the main specialty, must also understand finance and the peculiarities of banking software products.
What salary can a banker expect?
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The salary of a 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 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 is entrusted with the following duties:
- organization of the sales process of various loans
- building verticals of regional representations
- organization of professional development of employees
- motivation of partners and staff
- responsibility for fulfilling the bank's business fee for consumer loans
For different heads of departments are provided different types salaries presented below (expressed in thousand dollars):
- lending process development department - 1.8
- management department credit risks – 2.2
- IT project - 2.5
Economists and accountants are paid comparatively modest salaries of $ 500 on average. Their responsibility is to lead accounting statements and support of banking operations. The main requirements for candidates are the ability to work in office software, knowledge of accounting, responsibility and attentiveness.
Competent banker's resume
There is a set of rules according to which a banker's resume is drawn up.Such a document has a standard set of information:
- Full name of the candidate
- education
- career objective
- age
- marital status
- residence address
- 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 job with high wages, excellent growth prospects. More than 40% of graduates of economic specialties go to look for work in a bank.
The profession of a bank employee is a collective concept that unites all employees of financial, credit / depository 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 branches of the company, the more complex the structure banking organization, more vacancies, directions of employment of full-time specialists. Most popular / demanded activities:
- Credit consultations. There is a division into retail and corporate lending units. The specialists of the first are engaged in consumer loans(attracting borrowers, analyzing documents, providing technical support for issuances, consulting). Credit inspectors / experts of the corporate department carry out analysis of clients' activities, prepare resumes, defend potential borrowers at credit committees.
- The deposit department is engaged in servicing deposits / depositors. Consultations, execution of contracts, attraction of investors to fulfill the plan - all this is included in the functions of the executors.
- Employees of the plastic cards department register the organization's products, engage / maintain mass contracts ( salary projects, fuel cards, pension cards).
- Foreign exchange department (+ securities servicing) is engaged in analytical practice, foreign exchange transactions, auctions, loan restructuring.
- The administrative link - managers of departments, branches - carry out coordination work, carry out planning, report to management on the results.
- The Strategic Management Department is busy forecasting the company's development, developing concepts, strategies, and growth tactics.
- Cashiers / tellers - specialists serving the flow of customers (checking documents, counting money, transfers, issuing funds) or internal payments companies.
- The staff of the Cash Management Department maintains 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, you must:
- developed mathematical abilities;
- improved quality of knowledge of computer tools;
- effective communication skills;
- the ability to clearly express thoughts, present bank products;
- well-delivered diction;
- basic knowledge of conflict management;
- responsibility, attentiveness, perseverance.
Requirements for qualifications and education
99% of employers indicate a sufficiently high level of professional training (VPO) as the main requirement. The main "forge" of banking personnel is the financial departments. We have it "Banking", specialty "Finance and Credit" of the Faculty of Economics.
Accountants and economists are employed as cashiers. Future managers are more free to choose where to study. Many graduates of our management courses (profile "Human Resource Management", "Strategic Management") have successfully found jobs as regional directors of financial and credit organizations, managers of departments / branches.
Additional skills and abilities
The financial services market is constantly growing, it was the first to switch to automated systems, digital technologies. All this determines the high requirements for employees. The most important ones are:
- good knowledge of special software;
- proficiency in English;
- online service promotion skills;
- modern methods of analysis (business value, financial stability of the borrower).
Income and career opportunities
The field of work in a bank is one of the few where a career takeoff is very likely. The first wage may be 20–35 thousand rubles, in 2–5 months the employee receives up to 45 thousand. The salaries of middle-level managers, senior loan officers, regional managers start from 60–80 thousand rubles / month. Experienced experts receive $ 100-130 thousand.
No matter how much romantics convince us that money is not happiness, without pleasantly rustling banknotes and ringing coins to live in modern society impossible. That is why people strive not only to earn "despicable metal" for their current needs, but to save a "tight" penny. For these purposes, most people prefer to use the services of banks, in which savings do not just lie, but "work" and sometimes bring good income in the form of interest.
No matter how much romantics convince 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 their current needs, but to save a "tight" penny. Some people still use the old grandfather's way of saving money to save money - the usual glass jar... But most people still prefer to use the services of banks, in which savings do not just lie, but "work" and sometimes bring good income in the form of interest.
Well, since there are more and more people who want to use the services of banking institutions every day, the popularity of banking profession among applicants is increasing exponentially. An important role in the growing popularity of this profession is played by the eternal desire of people to be closer to money, as well as the advantages 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 financial institution, a manager involved in the banking business or the owner of bank capital. In other words, any key specialist in an institution related to the financial sector can be called a banker.
The name of the profession (as well as of the financial institution itself) comes from the Italian "banco" (the table on which the money changers laid out coins). Accordingly, initially those who worked at the table were called bankers. And the function of bankers, habitual for us today, was performed by usurers, who for a long time carried out the most demanded operation in modern banks - lending.
Today banker is a multifaceted specialist who knows how to correctly operate financial flows, manage loans and credits. In fact, it is the representatives of this profession that are intermediaries and operators of the credit system of the entire country.
The field of activity of any banker encompasses not only the provision of financial services to individuals and legal entities but also buy / sell 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 duties a banker is somehow connected with money (and this is mainly the money of the bank's clients), such a specialist, first of all, must possess such qualities as responsibility, honesty and decency. In addition, the banker must be:
- attentive;
- patient;
- purposeful;
- proactive;
- sociable;
- disciplined;
- thrifty.
Also banking specialist will never be able to achieve success in the professional field if he does not have the ability for analytical thinking, quick response to Unexpected situations and finding the most optimal solutions, striving for self-education and accurate performance of their professional duties.
Benefits of the profession of a banker
The profession of a banker has a lot of advantages, it is practically impossible to list them within the framework of just one article. Therefore, we will focus exclusively on those that, as they say, "lie on the surface."
- Kudos - the banker belongs to the elite professions, especially if it comes O bank employee top echelon.
- Stability - compared to other commercial enterprises that come and go, banks are considered to be the mainstays of stability.
- Huge prospects for career growth - if desired, a young specialist has a real opportunity in a short time to overcome the path from a simple cashier to a middle or top-level specialist.
- Versatility - work experience in a banking institution allows a specialist to work not only in commercial bank, but also on stock exchanges, insurance organizations, investment design departments, etc.
Disadvantages of the banking profession
Like any other profession, banker's job has not only advantages, but also obvious disadvantages. And, first of 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 should take into account that the work bank employee has such disadvantages as:
- monotony - basic Bank operations are routine and monotonous work, which also requires high concentration and utmost attentiveness;
- responsibility - a banker, like a sapper, has no room for error. Moreover, the higher the position, the greater the responsibility;
- continuity of positions - in order to occupy a top-level position, it is necessary to consistently work out in all divisions of the bank.
Where can you get the profession of a banker?
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Get the profession of a banker it is possible in one of the specialized universities in Russia at the financial or economic faculty. There is such a university in almost every region and city of Russia, so there should be no problems with choosing an educational institution.
One of the most prestigious and fashionable professions of our time, both among men and women, is a specialty associated with the banking sector. Many people cannot imagine their life without this sector of the economy, especially residents developed countries... This is due to the fact that if we do not keep our savings in the bank, then we use their services to carry out any monetary transactions... In this article I propose to understand: "What kind of a banking profession is this?"
Description of the profession
The origins of the profession associated with banking, originate from ancient times. It is believed that the ancestor of this specialization is Babylon, where people were actively engaged in usury. And the formation and development of banking relations actively took place on the territory Ancient Greece... There was a special stratum of society here - meals ( or money changers) - which under certain conditions carried out the storage or exchange of finance. It should be noted that for the first time settlement and cash services was essential precisely in Ancient Greece.
With the emergence of banks, which are intermediaries in the implementation financial transactions, usurers and meals are a thing of the past, and they were replaced by bank employees - bankers, who gave impetus to the development of the specialty "banking".
The banker is the owner of the bank capital, as well as the managers involved in the banking business. The list of duties of such a specialist depends on the position held, but there is a general list consisting of:
- Monitoring the implementation of agreements between the bank and the client;
- Analysis of the creditworthiness of a potential borrower;
- Keeping cash records and forecasting the turnover of monetary assets;
- Keeping a filing cabinet of documents;
- Execution of transactions in the lending market;
- Formation of account statements;
- Registration of payment cards.
It is customary to highlight the main types of positions in this industry. These include: banking specialist, financier, financial analyst, investment advisor, financial controller, and loan officer.
The profession associated with credit and financial structures must be chosen by people who have the following set of personal qualities:
- Analytical mind;
- Purposefulness;
- Stress tolerance;
- Responsibility and scrupulousness;
- Fast learner;
- Good memory;
- Ability to interact with people;
- Hard work and perseverance.
With the listed qualities, you can achieve great success in banking.
The following requirements are imposed on employees of the credit and 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, to understand, in the process of conducting a conversation with a potential client, the level of his ability to pay;
- Be good psychologists in order to be able to determine the client's ability to pay in the process of communication;
- Have knowledge of credit transactions;
- Carry out extracts from the client's personal accounts;
- To be able to provide consulting services on financial matters and lending;
- Know the peculiarities of drawing up bank documents;
- Know a foreign language;
- To be able to analyze the 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 population's savings, providing loans.
Competently built policy of organization, management and development banking allows:
- Effectively manage clients' assets and liabilities;
- Provide services for savings, lending, investment;
- Carry out currency exchange operations, cashless payments, etc.
Thus, the quality of the banking sector functioning 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 by specialization is not limited to banks. This is due to the fact that the functioning of an organization related to 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 this kind of workers:
- various financial institutions;
- financial planning departments;
- investment planning departments;
- department of securities;
- exchange organizations;
- credit organizations;
- insurance companies, etc.
Pros and cons of banking
Considering banking from the point of view 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 rewards for the work performed;
- The possibility of career growth that does not require long time expenditures in comparison with other professions;
- Prestige of the field of activity;
- Decent working conditions;
- In some cases, it is provided health insurance employees.
As for the disadvantages of this profession, here we can highlight:
- High material responsibility;
- Irregular work schedule;
- In the early stages of building a career, low wages and monotony of work.
Where do they study for banking
Work in this field of activity presupposes the presence 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;
- "Finances of the Manufacturing and Banking Sectors of the Economy";
- Banking and Risk Management;
- "Money, banks, financial markets."
Adequate education can be obtained both after grade 9 (college, school), and after grade 11 (university). To enter the universities of Russia in these areas of study, the applicant must pass exams in the following subjects:
- Maths;
- Russian language;
- Social studies / foreign language.
Below are the country's leading institutions that train highly sought-after banking professionals.
Colleges (total 153 in the Russian Federation, the term of study is 2 years 10 months):
- College "RANEPA under the President of the Russian Federation";
- College of Moscow State University;
- Perm College of Finance and Economics Financial University under the Government of the Russian Federation.
Higher educational institutions (total 288 in the Russian Federation, the term of study for a bachelor's degree is 4 years, for a master's degree - 2 years):
- Moskovsky State University 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 MFA of Russia;
- Leningrad State University named after A.S. Pushkin;
- Bauman Moscow State Technical University.
The passing score, depending on the region in which the university is located and its prestige, for the direction "Banking" averages 65 points. The cost of training in the country ranges 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 should be noted that average earnings a bank employee is slightly higher than the average income of the Russian population. But if we take into account the level of income of the management 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 in the graph below:
Comparing the incomes of Russian and foreign bankers, it is worth noting that Russians receive several times less than their foreign colleagues. 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, the level of the bank and the education of the employee.
Career
With a specialized education, graduates often start their careers in low-paid positions such as a clerk, assistant accountant, or customer support.
However, the prospects for career growth in this area allows, with 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).
Also, with regard to career growth, in order to occupy a higher position or 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 sessions to improve professional qualities company employees. Continuous development and improvement of professional qualities will help to achieve high results in career advancement. Where the top 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 to the Russian language from Italian, where "banco" is a table, counter, bench, on which the money changers and merchants laid out their money. The predecessors of banks are considered to be money changers and jewelers 'shops, who kept clients' money along with their gold. With the emergence of currencies in developed European countries, a need arose for a regulatory apparatus - central bank... The bank was first founded in England in 1694.
The first bank appeared in Russia in 1754. The Noble Loan Bank, created by decree of Elizabeth I, issued loans to representatives of the nobility. Over time, such institutions expanded their functions and ceased to be a privilege for a particular stratum of society.
The demand for the profession
Quite in demand
Representatives of the profession Bank employee are in high demand on 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 carry out various operations. It can be lending, paperwork for keeping money or selling securities. Working at the cash desk, a bank employee is responsible for the safety material values... He is engaged in the preparation of the relevant documents, recalculation, issuing money to clients, buying and selling currency, transferring Money... This specialist can also advise bank visitors on various issues, participate in the preparation of reports, planning, forecasting.
Wage
average for Russia:average in Moscow:average in St. Petersburg:
The uniqueness of the profession
Quite common
Most of the respondents believe that the profession Bank employee cannot be called rare, in our country it is quite common. For several years, there has been a demand for representatives of the profession in the labor market Bank employee despite the fact that a lot of specialists graduate every year.
How users rated this criterion:What education is needed
Higher professional education
The survey data show that for work by profession Bank employee it is imperative to have a diploma of higher professional education in the relevant specialty or in such a specialty that allows you to work Bank employee(related or similar specialty). Secondary vocational education is not enough to become Bank employee.
How users rated this criterion:Labor responsibilities
The nature of the job of a bank employee depends on his specialization. For example, an employee working at a bank at the cash desk needs to verify the authenticity of the client's documents, accurately recount the money issued or received, and perform transactions with securities, by plastic cards, fill out certificates and others Required documents... Managers and agents, in turn, should offer services that the bank can provide, advise potential clients on issues of interest to them. Bank employees holding managerial positions should distribute responsibilities among employees of his organization, participate in the development of projects, forecast the development of the bank and its branches.
Labor type
Exceptionally mental work
Profession Bank employee refers to professions of 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 is important. Bank employees they are distinguished by erudition, curiosity, rationality, analytical mindset.
How users rated this criterion:Features of career growth
Representatives of this profession work in banks. The starting point on a career path is positions such as clerk, assistant accountant, customer support officer. To further advance the career ladder, a bank employee will need higher education and professional skills. A talented and hardworking bank employee has the opportunity to grow to a chief specialist, department head, and even a bank director.