Securities Broker Job Description. Job description of a credit broker, job description of a credit broker, sample job description of a credit broker. Job description of a loan broker

You have heard this word more than once in everyday conversations, read in the news, special literature and official documents. Broker - what is it in simple words? Our article will give a complete answer to the question. In addition, we will deal with several types of this employment.

What does the word "broker" mean?

Let's start with a definition. The meaning of the word "broker" is a natural or legal person performing intermediary functions between the buyer and the seller, between the policyholder and the insurer, between the ship owner and the charterer. Payment for the work of a broker - commission.

The lexical meaning of the word "broker" also becomes clear from the translation of the word. The term originated from the English. broker - "broker".

Brokers' activities in Russian Federation is subject to compulsory licensing. This legal order has been in effect in our country since the beginning of September 2013. The license for brokerage activities is issued by the Central Bank of Russia. Previously it was the prerogative of Federal Service on financial markets.

Synonyms for "broker":

• Dealer.
• Mediator.
• Broker.
• Distributor.

Types of employment

Broker - this is several areas of activity. Each of them has its own characteristics, sphere of employment. Consider the most popular today:

• Broker in the securities market. In simple words, a professional participant in the securities market. A legal entity acting as an intermediary in this field. Has the right to carry out transactions with the securities of his client - at the expense of the latter, but on his (broker's) name. The grounds for such activity are - reimbursable contracts with the client.
• Introducing Broker. This is an independent legal entity or individual that accepts applications from clients for the conclusion of various exchange transactions... An important feature of his activity is that this broker does not keep client accounts, cannot accept material values or money in payment of margin, debt.
• Business broker. A natural or legal person acting as an intermediary between the buyer and the seller already ready business... In other words, an agent of acquisitions and business mergers.
• Aviation broker. This is a specialist who deals with booking charter flights, chartering aircraft, concluding insurance contracts for aircraft and cargo transported by air. It can be either an individual or a legal entity. The air broker itself does not own aircraft, but works closely with airlines that provide him with flight transport at the required time.
• Loan broker. Name of one of the participants financial market acting as an intermediary between borrowers and banks. The services of this broker are required when applying for a loan to an individual or legal entity.
• Leasing broker. It is a professional intermediary, an independent object of the leasing market. His activities are based on a complete analysis of the leasing market, establishing business relationships with suppliers and companies involved in the delivery of goods. The broker accelerates and optimizes the impact between the parties to the transaction - the client, the supplier and the leasing company. Partnering with a specialist reduces the transaction costs of these parties.

Let's take a closer look at the responsibilities of the above specialists.

Stock broker activities

One of the most common areas of specialization. The fact is that an individual on the exchange market cannot independently submit an application for the purchase or sale of securities. Operations are performed only after brokerage companies- professional participants in this market. An exchange broker always has a license from the Central Bank of the Russian Federation for its activities.

Brokerage companies provide clients with the opportunity to open trading accounts, submit orders for the purchase and sale of shares, which are then broadcast by the intermediary for trading in order to find counterparties. For such assistance, the broker receives his commission.

Note that a specialist does not trade on the exchange at his own expense, but only deals with clients' orders. In Western countries, the functions of a stock broker are purely intermediary. In Russia, specialists are more client-oriented: they provide recommendations and analytical reviews, conduct explanatory trainings and seminars. In other words, they combine the functions of an analytical agency and a brokerage firm.

Leasing broker activities

If in some countries there are already associations of leasing brokers, in Russia today this market is only at the stage of formation. It is also important to note the fact that the activities of such specialists in the Russian Federation are not regulated by special legislative legal acts.

The leasing company pays for the broker's services. As a rule, the commission here is 1% of the transaction amount. In especially difficult cases, the remuneration can be up to 10%.

Credit broker activities

In the course of their work, credit brokers interact with a wide range of organizations and individuals: banks and insurers, car dealerships and real estate agencies, private clients and appraisal companies.

The most important services offered by specialists:

• Selection of the most suitable lending scheme.
• Full support of the client during his interaction with the bank.
• Negotiations with creditors.

Loan broker functions

Common functions credit broker the following:

• Analysis of the documents required for the transaction.
• Assessment of the creditworthiness of the borrower.
• Selection of the most suitable lending scheme based on the borrower's requests.
• Calculation of all losses associated with the loan.
• Comparison of various lending schemes on points that are important to the client.
• Explanation in simple words of the nuances of credit programs.
• Recommendations to the client to improve his status as a borrower.
• Collection of a complete set of documentation for its further submission to the bank.
• Obtaining preliminary consent for the possibility of lending to the client.
• Feeding in banking organization loan applications.
• Accompanying in the bank consideration of the package of documents of the client-borrower.
• Reducing the risk of refusal to grant a loan.
• Reducing the time for consideration of an application for a loan.

Air brokers and airlines

Let's see how the services of an airline broker differ from those of airlines. The most important point is the breadth of the features offered. Airlines, for example, only provide aircraft and flight crew.

Aviation brokers, in addition, organize the rental of VIP lounges at airports, provide high-grade and high-quality meals on board the aircraft, Internet access, and take care of the timely departure of the aircraft.

Another important difference between a broker and an airline is that he takes full responsibility for pre-flight situations, the flight itself and post-flight passenger service. Aviation brokers are full-fledged customers of airlines, who are also capable of evaluating the services of the latter.

Popular services of air brokers

Let's take a look at the most common aviation broker services in the world:

• Organization of charter flights for individuals and corporations. In other words, personal flights for which a business jet is leased. In this case, the customer independently chooses the departure time, as well as the set of related services he needs.
• Air transport delivery to any of the world's airports with registration of all required documents.
• Providing the customer with personal comfortable lounges in VIP terminals with accelerated and simplified customs and passport control.
• The choice of the on-board menu, the qualifications of the crew, the technical equipment of the aircraft at the request of the customer.
• Aircraft purchase and sale. This is a search for potential buyers, negotiations with aircraft manufacturers, registration, re-registration, aircraft certification, obtaining a tail number, etc.
• A complex of consulting services on financial, technical and legal issues.

What is an online broker?

Online broker is a specialist performing the following functions:

• Mediation between an investor and a trader in the financial market.
• Providing the necessary tools for the full and stable operation of all participants in the transaction.
• Carrying out financial transactions clients.
• Providing analytical information on the global economy.

A broker is an intermediary in various fields of activity. The most popular are stock brokers, since operations on the securities market are impossible without them. Such types of intermediation as credit, leasing and aviation brokers are also gaining momentum.

informing clients about the progress and results of the implementation of their orders;

providing information on the degree of risk for specific transactions;

prioritizing customer transactions rather than their own dealer operations;

ensuring proper storage and accounting of clients' securities;

development and observance of the rules for maintaining accounting registers.

2. Dealer activity. Execution of transactions for the purchase and sale of securities on its own behalf and at its own expense by publicly announcing the prices of their purchase and (or) sale with the obligation to purchase and (or) sell at the announced prices. Dealer activity is the execution of transactions for the purchase and sale of securities on its own behalf and at its own expense by publicly announcing the purchase and sale prices of certain securities with the obligation to buy or sell securities by the declared person. A dealer can only be a legal entity that is a commercial organization. In addition to the price, the dealer has the right to announce other essential conditions of the purchase and sale agreement, for example, the number of purchased securities, the period during which the established price is valid, etc.

A dealer's license can only be obtained by an organization (legal entity) engaged in commercial activities.

• 3. Trust management of securities. Implementation individual entrepreneur or by a legal entity on its own behalf and for a fee trust management securities and monetary funds transferred to him in possession, but belonging to another person, in the interests of this person or third parties chosen by this person (beneficiaries). Professional participants in the securities market who carry out their activities in the management of securities and the relevant agreements are called managers. If there is a conflict of interests between the manager and his client, which led to damage to the client, the manager is obliged, after clarifying the reasons for guilt, to compensate for the losses in the manner prescribed by law.
• 4. Depository activities is the provision of services for the storage of certificates for securities and accounting for the transfer of title to securities. A person using the services of depositories is called a depositor. Only a legal entity can be a depositary. A depositary agreement is concluded between the depositary and the depositor, which determines the relationship between them. The conclusion of a depository agreement does not entail a transfer to the depository of ownership of the depositor's securities. Depositor's securities cannot be levied as a collection on the obligations of depositories. The form and content of the depositary agreement is subject to state regulation. As a rule, the depositary agreement should contain:
  • Unambiguous definition subject of the contract,
  • The procedure for the transfer of information about the deposited securities by the depositor to the depositary,
  • · contract time,
  • Amount and order of payment depository services,
  • The form and procedure for reporting the depositary to the depositor,
  • · Obligations of the depositary,
  • · etc.

There are several types of depositories:

Settlement depository

carries out settlements in securities based on the results of clearing, all operations, execution of transactions... At the same time, the functions of a settlement depository cannot be performed by a professional participant in the securities market who combines depository activities with brokerage and management activities.

Custodian depository

This is a depository, the depositors of which are investors who do not settle securities based on the results of clearing and conduct transactions on transactions made through trade organizers on the securities market, i.e. it's out stock market valuable papers

Specialized depository

it is a legal entity with the status of JSC or LLC created in accordance with the legislation of the Russian Federation, licensed to carry out depository activities and the activities of a specialized depository, investment funds, Mutual funds, and non-state investment funds. A specialized depository must keep records of property, records of rights to securities and a number of other functions.

In addition, two levels of depositories are distinguished: the upper one includes registering depositories (legally - registrars) serving issuers; lower - serving the owners of securities.

Thus, the depository activity is the activity of recording the rights to securities and their transfer, as well as the storage of securities certificates. Depositories (legal entities) carry out their activities on the basis of a license and are included as a separate institution in accounting system RZB. Modern market with a huge number of transactions cannot exist without such institutions.

5. Activities related to maintaining the register of owners of securities. Its emergence is associated with the widespread development of paperless (electronic) technology for issuing stock instruments. Provided by the so-called. registrars (legal concept) who collect, record, process, store and provide information that constitutes the system for maintaining the register. The registrar can be the issuer itself or a professional RZB participant authorized by the issuer. The register of securities holders is part of the register-keeping system. This is a list of registered owners of securities, indicating the number, par value, category of securities. This list is compiled as of a specific date. It allows you to identify the owners, number and category of securities. The combination of activities on maintaining the register with other types of professional activities is not allowed. Only a legal entity has the right to be a registrar for keeping the register. The registrar is responsible for the correctness of the register to the issuer. In this type of professional activity, there are intermediaries - these are transfer agents who are also legal entities and perform, under an agreement with the registrar, the functions of teaching and transferring to him or from him information and documents on the register.

The nominee holder of a security is a person registered in the registry system, who may not be the owner of the security. The nominee holder can be a legal entity of depository depositories. Nominee holder data are subject to mandatory introduction to the registry system and is also provided with ownership registry reporting. The legislation establishes certain rules, rights and obligations of the nominee holder.

6. Clearing activities. Determination of mutual obligations (collection, reconciliation, correction of information on transactions with securities and preparation accounting documents on them) and their offset for the supply of securities, as well as settlements on them (Article 6 of the Law "On the Securities Market"). It is carried out by organizations on the basis of a license from the Federal Financial Markets Service and agreements with participants in the RCB. Clearing activities are activities to determine mutual obligations, as well as settlements on transactions with securities. That is, it is collecting information, adjusting securities transactions and preparing accounting and financial statements on them. Fulfillment of obligations under the clearing pool trades is carried out in next order: after the transfer of securities, Money for trading accounts, all this is carried out after verification and confirmation of the availability of a sufficient number of securities and funds on trading accounts to fulfill obligations. This is called delivery versus payment. Usage this method in clearing activities ensures the maximum reduction in the risk of default on obligations under securities transactions.

The clearing organization is obliged to form special funds to reduce the risks of non-execution of transactions. The size of the funds is agreed with the central bank RF and relevant organizations of state supervision and regulation of the securities market.

The Clearing Center performs clearing on trades executed through the trade organizer.

A clearing system is a set of procedures by which financial institutions, participants in transactions exchange data.

Continuous clearing is a real-time clearing that involves the immediate processing of exchange trades.

Clearing members are persons in whose favor clearing agreements have been concluded.

A clearing organization is prohibited from engaging in other professional activities on the RZB, with the exception of organizing trading and depository activities.

7. Activities for the organization of trade on the RCB. Trading in securities is carried out through specialized institutions, which include the so-called. trade organizers and stock exchanges. Their functions are to provide market participants with the opportunity to set quotations in the prescribed manner, make transactions in accordance with the approved rules, and carry out centralized settlements. At the same time, market participants receive certain advantages, for example, hedging (insurance) of their risks, the possibility of obtaining loans for transactions, etc.

In accordance with the Law "On the Securities Market", this is an activity for the provision of services that directly contribute to the conclusion of civil transactions with securities between participants in the securities market. civil transactions with securities between participants in the securities market. The organizer of trading on the securities market is obliged to disclose the following information:

• Rules for admitting a participant in the securities market to trading,
• Rules for the conclusion and reconciliation of transactions,
• · Rules for registering transactions,
• The procedure for the execution of transactions,
• Rules limiting price manipulation,
• · A list of securities admitted to trading.

Any interested person is provided with the following information about each deal concluded in accordance with the rules established by the trade organizer:

• · date and time conclusion of a deal,
• Name of the paper,
• Its state registration number of the issue or identification number of the issue security,
• The price of one security,
• · The number of securities for the transaction.

Concept " stock exchange"according to the law (Articles 9 and 11) is included in the concept of" trade organizer ".

Legal entities licensed as a broker and (or) dealer and entitled to announce orders and make transactions with securities can take part in the auction. There are two types of special bidders who assume additional obligations. it market makers obligated to maintain the liquidity of the securities market, and specialists, obliged to maintain the liquidity of the issuers' securities in a similar way. On behalf of the bidder, announces orders and concludes transactions trader- an individual who is a full-time employee of the exchange and has a qualification certificate from the Federal Financial Markets Service.

Professional activity at the RCB is carried out only on the basis of licenses of the Federal Financial Markets Service. There are three types of licenses: professional market participant, registrar, stock exchange.

FFMS regulations establish General requirements to professional participants of the RCB, as well as the minimum requirements for the size of their equity capital, expressed in minimum wages: broker - 5000; dealer - 8000; auction organizer - 200,000; depository - 75,000; clearing organization - 100,000. When combining activities, the equity capital should not be less than the largest for the combined types.

For consideration (issuance, renewal) of a license, licensing fees are charged, expressed in minimum wages: to a broker - 150; dealer - 200; trustee - 300; the organizer of the auction - 1000; depository - 300; the clearing company - 300. In any case, the paid license fee is not refundable. To obtain (renew) a license, a professional participant of the RZB must submit a package of documents to the self-regulatory organization, which, after its consideration, applies to the FFMS for an appropriate decision.

The terms for which the licenses were issued: broker, dealer, trustee - no more than 3 years; a trade organizer - no more than 10 years, and when combined with other activities - no more than 3 years; register holders (registrar) - 6 months with subsequent extension by decision of the FFMS. The licenses have now become perpetual.

Tax regulation consists in differentiating the types and amounts of taxation of income arising in the securities market. Taxes can be levied: on income from the issue of securities, on interest and dividend current income, as well as on profits and commissions from securities resale operations. Current income from certain types of securities is not taxed. In many countries, income generated by government and municipal bonds as well as financial instruments.

Organization tax regulation the securities market in the Russian Federation will be discussed below (topic 13).

A feature of exchange trading is that it is not conducted by the sellers or buyers themselves, but by their representatives - exchange intermediaries, who in Russia are divided into brokers and dealers. Requirements for exchange intermediaries on commodity, stock and currency exchanges may differ. At the same time, no matter what exchange a broker works on, he is considered a professional intermediary who, in the course of exchange trading, represents the client and makes transactions on behalf of the client and at the expense of the client, on behalf of the client, but at his own expense, on his own behalf, but in the interests of the client and at the expense of the client. For exchange intermediation, the client pays a commission to the broker. For successful work on the exchange, the broker must: have a good understanding of the exchange commodity that is the object of trade; be able to conduct exchange trading; know the trading rules of the exchange on which he works; find the right approach to the clients it represents on the exchange; determine the income from those transactions that are concluded on his initiative on the exchange.

The broker is a professional participant in exchange trading, he operates in organized markets and is most prepared to assist a client who would like to sell or buy goods on the exchange. The relationship between the broker and the client arises on the initiative of the client, but the broker should not passively wait for someone who has used its services to contact him again or recommend this broker to his friends who are going to conclude transactions on the exchange. The main channel through which brokerage firms can attract clients to cooperate is through advertisements. All over the world, this information takes many different forms. For her, however, print ads are considered the best - in publications addressed to business people, or in the financial columns of well-known newspapers. At the same time, an advertisement of a brokerage firm may contain information describing the directions of work and business policy of the firm, the size of its operations and thereby contributing to the attraction of clients interested in the appropriate type of transactions.

Exchanges and regulators have their own requirements for brokers. The most developed requirements are the requirements for persons engaged in brokerage activities in the securities market. So, for individuals or legal entities engaged in brokerage activities, the following types of requirements are established: financial; professional and qualifying for managers and specialists; organizational and technical; special.

The amount of equity capital must meet the requirements at the time of obtaining a license, as well as during the entire period of implementation of the relevant type of activity.

The activity of a broker in the securities market is possible only with an appropriate license. The license is issued on the basis of an application commercial organization intending to carry out brokerage activities. It must contain all information in accordance with the established requirements.

In addition to the application, documents established by the securities market commission are submitted. The Federal Commission or the licensing authority, no later than 30 days from the date of receipt of the listed documents, must issue a license or refuse to issue it, stating the reasons for such a refusal.

The data on the person who received the license is entered by the licensing authority into the register of issued, suspended and canceled licenses, which is maintained by the authority itself. This data must be immediately transferred to The Federal Commission for entry into the register of licenses for professional brokerage and dealer activities.

Brokers are obliged to submit reports on a quarterly basis from the date of obtaining a license no later than 45 days from the end of the quarter, including information on the results of their financial and economic activities for the past quarter, the volume and number of transactions concluded by them and other information in the form established by the Federal Commission.

By resorting to the services of a brokerage firm, clients have the following advantages:

• * firstly, the volume of trade operations is significantly increasing without the growth of own costs for these purposes;
• * secondly, it becomes possible to have the services of highly qualified sales personnel;
• * thirdly, the costs of services associated with conducting trading operations with the participation of a brokerage firm are calculated in the amount of a certain percentage of their volume.

Payment for brokerage services is usually set by agreement between the firm and the client in the amount of a certain percentage depending on the amount of the transaction.

Acting on behalf of the client, the brokerage firm concludes the transaction on his behalf. As a rule, the brokerage firm does not participate in settlements between counterparties in transactions, and only commissions are credited to its current account. However, the option of buying a product by a brokerage firm with subsequent resale is possible. In this case, she conducts dealerships, and her income consists of the difference between the purchase and sale price.

Brokerage firms and brokers operating on the exchange perform transactions in accordance with the Exchange Trading Rules; acquire or receive information about all types of products and services offered for sale on the exchange; use in the prescribed manner the services of the exchange personnel, including the use of sales areas and other exchange premises, communication facilities and other organizational equipment; participate in the work of the arbitration commission of the exchange.

Complies with the requirements of the document - "DIRECTORY of qualification characteristics of occupations of workers. Issue 1. Professions of workers that are common to all types economic activity", which is approved by order of the Ministry of Labor and social policy Of Ukraine dated December 29, 2004 N 336.
The status of the document is "valid".

Preface to job description

0.1. The document comes into force from the moment of its approval.

0.2. Document developer: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

0.3. The document has been agreed upon: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

0.4. Periodic check of this document produced at intervals not exceeding 3 years.

1. General Provisions

1.1. The position "Broker" belongs to the category "Specialists".

1.2. Qualification Requirements- basic or incomplete higher education the relevant field of study (bachelor or junior specialist). No seniority requirements.

1.3. Knows and applies in activities:
- legislative acts, normative and methodological materials concerning trade and economic activity;
- market methods of management, patterns and features of economic development;
- the conjuncture of the internal and external markets;
- the profile of the exchange, brokerage office, other enterprise, institution, organization;
- types of exchange transactions;
- rules for negotiating the terms of purchase or sale of goods, provision of services;
- the procedure for setting the price of goods (services), payment and delivery;
- organization of trade, advertising, investment competitions, tenders and auctions;
- rules for the preparation of auction catalogs;
- the basics of social psychology;
- requirements for the product (service);
- the procedure for the preparation and conclusion of contracts;
- preparation of the necessary documents, established reporting, information about the product that is being sold and the services provided;
- labor organization and management, civil and labor legislation.

1.4. The broker is appointed and dismissed by the order of the organization (enterprise / institution).

1.5. The broker reports directly to _ _ _ _ _ _ _ _ _ _.

1.6. The broker manages the work of _ _ _ _ _ _ _ _ _ _.

1.7. The broker, during his absence, is replaced by a person appointed in accordance with the established procedure, who acquires the appropriate rights and is responsible for the proper performance of the duties assigned to him.

2. Description of work, tasks and duties

2.1. Buys and sells consignments of goods at auctions, markets for existing goods or derivatives market goods, as well as securities and financial documents, including foreign currency, commercial services (credit, conclusion labor contracts and contracts, transport services, real estate sales, freight transportation, advertising organization, etc.).

2.2. Establishes business contacts with buyers and sellers of goods, customers and those who provide services.

2.3. Provides timely and at the most favorable terms sale or purchase of goods, conclusion of contracts, provision of services.

2.4. Studies the conjuncture of the domestic and foreign markets, consumer properties of goods, the reliability of securities, the requirements of the parties to the agreement during the purchase and sale of goods, the provision of services, as well as when concluding commercial (currency, credit) exchange transactions, differing in the degree of trust (commission agreement, agreement instructions).

2.5. Attends tenders and auctions, ensures the submission of the necessary data for the preparation of auction catalogs, the timely establishment of the sale price on behalf of the client and its change, as well as the amount of the transaction.

2.6. Negotiates the purchase or sale under private agreements of goods resold at the auction.

2.7. Organizes the transportation of goods, sets the cost of delivery and draws up the collection of its cost from the client.

2.8. Performs settlement and analytical operations and works on registration and execution of exchange documents, formulates the content of the application.

2.9. Advises clients on issues within his competence.

2.10. Supervises the work of agents subordinate to him.

2.11. Knows, understands and applies the current regulatory documents concerning his activities.

2.12. Knows and complies with the requirements of regulatory enactments on labor protection and environment, complies with the norms, methods and techniques safe execution works.

3. Rights

3.1. The broker has the right to take action to prevent and eliminate cases of any irregularities or inconsistencies.

3.2. The broker has the right to receive all social guarantees provided by law.

3.3. The broker has the right to demand assistance in the performance of his official duties and the exercise of rights.

3.4. The broker has the right to demand the creation of organizational and technical conditions necessary for the performance of official duties and the provision of the necessary equipment and inventory.

3.5. The broker has the right to get acquainted with the draft documents relating to his activities.

3.6. The broker has the right to request and receive documents, materials and information necessary for the performance of his official duties and orders of the management.

3.7. The broker has the right to improve his professional qualifications.

3.8. The broker has the right to report all violations and inconsistencies identified in the course of its activities and make proposals for their elimination.

3.9. The broker has the right to familiarize himself with the documents defining the rights and obligations for the position held, the criteria for assessing the quality of the performance of official duties.

4. Responsibility

4.1. The broker is responsible for non-fulfillment or untimely fulfillment of the duties assigned by this job description and (or) non-use of the granted rights.

4.2. The broker is responsible for non-compliance with the internal labor regulations, labor protection, safety, industrial sanitation and fire protection.

4.3. The broker is responsible for disclosing information about an organization (enterprise / institution) related to a trade secret.

4.4. The broker is responsible for non-fulfillment or improper fulfillment of the requirements of internal normative documents organizations (enterprises / institutions) and legal orders of the management.

4.5. The broker is liable for offenses committed in the course of its activities, within the limits established by the current administrative, criminal and civil legislation.

4.6. The broker is responsible for causing material damage to the organization (enterprise / institution) within the limits established by the current administrative, criminal and civil legislation.

4.7. The broker is responsible for the misuse of the provided official powers, as well as their use for personal purposes.

A broker is a legal entity or an individual performing the functions of an intermediary in various fields of activity. The broker's salary is commission.

A professional competent market participant (broker) is an intermediary in various fields of activity.

Brokerage is a legal activity. Every securities broker is licensed. In the Russian Federation, the Central Bank issues a broker license.

As mentioned above, brokers work in different areas. Brokers bring together the seller and the buyer, the insurer and the policyholder, the lender and the bank.

The most popular type of broker is stock broker... The job of a stock broker is that he represents the interests of an individual on the exchange, where the individual himself cannot go. An individual enters into a service agreement with a broker, after which the stock broker proceeds to display the individual's applications on the exchange.

There is also such a thing as a securities broker. Such a broker is entitled to work with the client's securities. All the conditions for such mutually beneficial cooperation are prescribed in the service agreement between the client and the broker.

There is also an introducing broker position. The Introducing Broker only defends the interests of his client on the exchange. He has no right to dispose of the client's accounts and valuables. A business broker is an intermediary in a business relationship. There are also customs brokers, leasing brokers, credit brokers, air brokers, online brokers.

When brokerage companies first started to appear, they worked exclusively with legal entities. Today the situation has changed. Any broker can become an intermediary for an individual.

Brokers provide assistance today individuals in areas such as mortgage credit lending, v financial sphere, in the search for new housing, etc.

So what exactly do brokers do? Of course, the responsibilities of a real estate broker will differ from those of an insurance broker, but the main goals and objectives of brokers of all categories are as follows:

1. Consulting. The main task of any broker is to advise a client - physical or legal entity... As a rule, people are very busy and sometimes do not have the opportunity to independently figure out a particular issue. Therefore, they resort to the help of brokers, because brokers are savvy in matters of interest to clients. If an individual or legal entity has any questions, then brokers will promptly help in solving them;
2. Analytics. Brokers conduct offer analytics. They study the market and then provide the client with the most profitable offer... Some brokers even have discounts for using certain services. With the help of his experience, the broker will quickly find the client exactly what he wanted;
3. Registration of documents. Brokers accompany the client in the process of concluding certain contracts, are responsible for their legal correctness.

The main responsibilities of a broker include:

1. Consulting and support of transactions, processing of all relevant documents, mediation between the parties;
2. Mediation in the passage of all official procedures;
3. Registration of all necessary documents, payment of fees, duties, taxes;
4. Additional services on request, such as licensing, certification, economic analytics, etc.

In order to become a broker, you need to get an education in such areas as "Economics", "Trade", "Customs".

If we talk about personal qualities, then the broker must be sociable, responsible, decisive. A real broker must have organizational skills... He must search daily new information, recycle it. The broker is faced with tasks of varying complexity - he must be able to cope with them. The broker must be ambitious, analytically developed, confident in himself, must have a good memory.

The broker must be aware of the current legislation of the country in which he operates. In case of occurrence controversial situations, the broker must be competent in resolving them.

The broker's income depends on the specifics of his work. Most brokers work "on interest". average salary broker in Russia is 70,000 rubles, in Moscow - 100,000 rubles.

The broker's salary varies depending on the education, experience and success of the specialist himself. Regional incomes differ. It is known that the largest salaries of brokers are in the Krasnodar Territory, Bashkiria, the Moscow and Vladimir Regions.

It is worth paying attention to the fact that wage by region is different. Typically, the broker's salary is a percentage of the transaction. Usually it is about 0.1% of the transaction amount.

Consequently, all brokers are interested in an increase in the number of transactions performed on the exchange.

1. Broker (from the English. "Broker") from English translates as " mediator»;
2. Since 2013, brokerage licenses have been issued by the Central Bank on the territory of the Russian Federation;
3. The first brokerage agencies appeared in Russia in the early 90s, after the collapse of the USSR;
4. Only 7% of brokers increase their funds at the expense of securities, however, brokerage agencies benefit from all transactions carried out;
5. The broker's liability is limited: he is not responsible for the client's losses as a result of transactions made by him;
6. The broker does not become the owner of the securities.

The broker's salary is commission from completed transactions... The broker is not responsible for the transaction, for its results. Recently, online broker positions that work remotely are gaining popularity.

For more information on how to become a broker, see the video: