Banking - what kind of profession is it? Where do you study banking? "Banking". How to apply for this direction? What items need to be handed over to a bank employee?

You can start vocational training after 9th grade. Despite common stereotypes about vocational education, going to college sometimes makes more sense. After all, a college student receives several advantages at once:

saving time. While peers are studying in high school, they are already gaining professional knowledge in college. You can enter the labor market earlier;
practical experience. College students psychologically feel more independent; many are still looking for work during their studies and have the necessary experience by the time they graduate;
financial independence.

Admission to the university after 11th grade in “Banking” is carried out for undergraduate programs.

Pay attention, first of all, to the opportunities that the educational institution provides. The official partner of Synergy, VSHP, offers students a choice of different forms of training. The most relevant at the present stage is remote. This system allows students to receive education from anywhere in the world. Saving time and money, freely planning your schedule, combining with work - these are the advantages that attract many applicants today.

Today there is a very fashionable and prestigious specialty - banking. What kind of profession is this? Let's try to understand the current issue.

Description of the profession

The meaning of the word has Italian roots. "Banker" comes from the word banco - "table", respectively, a banker is a person who works at a table. But today he is a multifaceted specialist, distinguished by his penchant for forecasting. He also has an analytical mind.

Currently, specialists in banking are incredibly in demand. Therefore, it is relatively easy for them to find employment. Investment organizations, financial institutions, credit organizations, exchanges, insurance companies, etc. are waiting for them.

Working in a bank depends on what position the employee holds. For example, a specialist from a financial institution will consult clients, analyze indicators, make forecasts, etc.

Many large banks may have up to 10 divisions in their structure that have certain functions. The key areas are:

lending;
investment activities;
treasury

Having completed your studies in banking, you will receive a complex of knowledge in the field of financial circulation, standard operations, economic forecasting, and accounting. The compulsory program also includes studying the essence and functioning of credit operations, etc.

Who is ready to become a banking specialist?

People with good mathematical abilities and an analytical mind can become banking specialists. A person involved in this business knows how to sort everything out, then analyze and systematize the information received. You need to be focused all the time and pay a lot of attention to detail. Of course, a person who knows banking should love economic disciplines. What kind of profession is this without an interest in economics? In addition, a banker usually has a good memory and a desire to get things done.

Also, a person preparing to become a banking specialist must be a professional and have healthy ambitions. Often these qualities are the main trump card when hiring. Determination is also strongly encouraged as challenges will arise every day. The employee must be able to overcome them and want to move on.

When a young specialist is hired, he almost always undergoes a short training course. Therefore, it is necessary to be a learner and strive for new knowledge. Some banks, by the way, conduct an exam after training and only after that decide whether or not to hire a specialist to work at the bank.

Career growth

The launching pad for successful professional growth is higher education

A banking career most often begins with positions such as:

customer service employee;
assistant accountant;
clerk, etc.

As a rule, a beginning specialist has a low salary. At the same time, there is an opportunity to climb the career ladder. But this requires some effort. Becoming a middle manager may take as little as one year. If an employee has certain abilities and aspirations, he can get the position of head of a branch, deputy head, or director of a bank.

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 a modern graduate become one? It's possible.

Let's take a look at what kind of profession banking is in general, and how “bank employee” and “banker” relate to it. Let's figure out who does what.

Bank employees - who are they and what are their functions?

Bank employees are ordinary bank employees who, in most cases, interact directly with clients and perform specific banking operations that do not involve in-depth analysis.

Functions are determined by specialization:

advice on loans;
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, like an ordinary employee, but is engaged in forecasting, planning, conducting an in-depth comprehensive analysis of the bank’s activities, the state of the economy (regional, national, foreign), etc.

Receiving an economic education is necessary for the profession of a banker. It is also desirable to have legal and management skills. Internships in leading banks and 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;
service specialists;
loan officers;
mid-level managers and 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 is needed 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 responsible for 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 turned in to a banker?

After 11th grade, the Unified State Examination results in the following subjects are provided to the admissions committee: mathematics, Russian language, social studies.

Some universities replace social studies with a foreign language.

TOP 5 universities with a specialty in “Banking”

The future profession is largely determined by the level of the university.

Let's list leading universities offering training in this specialty:

Moscow State University named after M.V. Lomonosov;
Moscow State University of International Relations;
Financial University under the Government of the Russian Federation;
Higher School of Economics;
Russian Economic University named after. G. V. Plekhanov.

Often “Banking” expands or, on the contrary, contracts. The description of the directions may look like:

"Banking Manager";
“Finance of the manufacturing and banking sectors of the economy”;
“Banking and risk management”;
"Money, banks, financial markets."

The curriculum of the specialty “Banking” includes the following disciplines:

banking regulation of foreign exchange transactions;
investment portfolio management;
company credit policy;
banking risks;
settlement and payment systems;
electronic innovations in banking business;
processing and control of banking transactions, etc.

How many years to study

The duration of study depends on the number of years spent in a general education institution:

After 9th grade a graduate can go to college (for example, at Synergy University) with a duration of study of 2 years and 10 months;
After 11th grade– it is possible to enter, firstly, college – 1 year 10 months; secondly, to the Faculty of Economics at an institute with a duration of study of 4 years (full-time bachelor's degree). You can continue your studies in a master's program lasting 2 years (full-time);

There are also short-term courses - from 3 months to 12.

How much does a banker earn?

The average salary of a banker in Russia is 300,000 rubles. A bank employee earns an average of 45,000 rubles.

Income depends on the position held, work experience, and region. For example, the salary of a bank employee is 41,167 rubles, a mortgage consultant is 50,417 rubles.

Career growth in a bank

A career in the banking sector is developing quite intensively, which is especially attractive to young professionals. There are cases when, in 8-12 months, a banking specialist acquires the necessary skills to work in middle management.

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 development of the national and foreign systems; understand what consequences may result from the strengthening or collapse of a particular currency, and how this will affect the country’s economy.
The specialist must be able to plan the bank’s activities; assess which banking products are in demand, are losing relevance, or are not in demand; monitor the dynamics of interest rates on deposits, loans, mortgages in comparison with offers from other banks and the situation on the world market.
In order to increase the bank's profitability, an experienced banker can invest in large objects, and also act as a partner on mutually beneficial terms (for example, a reduced mortgage rate when buying an apartment from a certain developer).

The qualities of a banker must be appropriate:

determination;
foresight;
enterprise;
stress resistance;
communication skills;
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 disadvantages of the profession, one can note a high degree of financial responsibility, the need to constantly regulate emotions, tone and timbre of speech to create the image of a friendly, client-oriented organization. Irregular working hours are possible.

|Marina Emelianenko | 3790

Today, the specialization “banking” is one of the most in demand in the labor market. What could this be connected with, since every year Russian universities graduate a considerable number of bankers, but the demand is still growing? What are the main points that every applicant who decides to devote his life to banking should take into account and is it so easy to become a “real bank employee”?

“The bank is common sense, a sober approach to reality, to partners” - J. Vrignot.

Banker is a multifaceted and very broad concept. Depending on the chosen path, you may have to perform completely different tasks. Bankers are considered to be employees of operating cash desks, collectors, employees of credit, stock, legal, dealing, investment and other departments. As a rule, any bank, even the smallest one, has a staff consisting of specialists in various fields. Working in a bank is impossible without a close-knit team, where everyone knows exactly what they are doing and knows how to quickly complete the tasks assigned to them.

Advantages and disadvantages of working in a bank

Many people mistakenly believe that the profession of a banker initially implies a “sweet” life for its bearer. However, this profession, like any other, has both positive and negative sides.

Pros work in a bank:

Stability. The essence of the work of banking organizations is that, against the backdrop of economic ups and downs, they are a stronghold of stability, allowing them to calmly continue their business even under the most unfavorable conditions in the country.

Opportunity for rapid career growth. Working in a bank You can develop in various areas of your activity, which means you can become a real professional and gain the necessary demand for a career takeoff.

Stable wage system. It is in banking organizations that there are the largest number of bonuses, incentives and opportunities to earn additional bonuses for your work.

Opportunity to receive free education and undergo professional training. Additional education in your field of activity is another powerful argument in favor of choosing banker profession.

Opportunity to get a job in any other sector of the economy, for example, in insurance or investment companies.

Cons work in a bank:

Irregular working hours. Delays beyond business hours to complete one's work are quite common in banks.

High risk. The profession of a banker requires a high degree of concentration and attention. Even in the presence of external distracting circumstances, personal moments, the banker must always be extremely careful, because his mistake will significantly “hit” his own pocket.

Strict need to adhere to ethical standards and regulations. This especially applies to cash desk workers. In conditions of strict control, it is necessary to remain calm and polite in any situation and not give vent to your emotions. Working in a bank implies a personal interest in its results, which means everything “personal” should remain aside.

What personal qualities do you need to have to successfully work in a bank? There are a lot of them, although this work seems monotonous and monotonous. So, among the main ones we highlight the following:

Attentiveness.

Ability to self-educate.

Disciplined, analytical mind.

Ability to work with both numbers and people.

Ability to make quick, informed and clear decisions.

Bankers' salaries

Working in a bank does not always involve fabulous amounts of payment, as is commonly believed. And although banker's profession among the leaders in salaries, its level depends on a number of factors:

Position held.

The degree of complexity of the work performed.

Experience.

A young specialist does not have to immediately count on a high level of remuneration. However, this is practiced in all areas of the labor market, so you should definitely improve your qualification level and study banking in depth, climb the career ladder, and your salary will increase accordingly.

Working in a bank divided depending on complexity, level of knowledge and experience. It is because of these criteria that such significant differences arise in the wages of employees of the same structure. So, an ordinary specialist can count on a salary of 35-45 thousand rubles. However, there are banks that are ready to pay their employees up to 100 thousand rubles per month, and department heads - up to 200-300 thousand rubles.

The higher your level and experience, the higher salary you can count on. That's the policy work in a bank any accessory.

Where can I get a banking education?

Today in Russia there are a lot of educational institutions offering to master the specialty “banking” and set foot on the path of financial literacy and independence:

Irkutsk State Agrarian University named after A.A. Yezhevsky

Samara College of Transport and Communications

And others.

Banking education will allow anyone to gain the necessary skills in the field of finance and money circulation, accounting and economic analysis, as well as the preparation of strict reporting, analytical accounting and preparation of primary documents.

The college implements the economic specialty BANKING

College graduate qualifications- banking specialist.

After studying at college, a banking specialist can work in banks, investment planning departments, financial institutions, banking institutions, economic departments, credit organizations, and stock exchanges.
When studying at a college in the basic professional educational program in the specialty of Banking, the graduate is ready to perform financial, credit, accounting and operational activities in accordance with the qualification characteristics.

The Banking specialty provides a complex of knowledge in the field
banking operations
finance and money circulation
accounting in banks
economic analysis
accounting and economics of an organization (enterprise)

Duration of training
when entering college on the basis of 9 classes, 2 years 10 months;
when entering college on the basis of 11 classes, 1 year 10 months.

College of Banking

The quality of education determines the level of income in the life of every person seeking to find a prestigious job. The College of Banking provides comprehensive teaching to applicants of a full course of study and compliance of the appropriate level of training of students with all objective criteria required by the state standard of the educational program. Particular attention is paid to practical activities and internships for students who undergo them in accordance with their chosen specialization in organizations that enjoy unconditional authority in their field of activity.

When teaching subjects, fresh educational and methodological material, licensed equipment and the latest reports of situations occurring in the field of the foreign exchange and financial market and trading business are used. During the training process, experienced teachers convey comprehensive professional knowledge of banking document flow and operations, relevant for any qualified banker. Our college will teach each applicant those useful skills and practical techniques that will certainly become effective prerequisites for a career as a successful bank employee. The diploma issued by the institution allows graduates to find employment in any banking, financial and credit organizations in the country.

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