Banking professions. Banking Dear applicants and parents

The time of romance is gradually being left behind. Modern youth strives to master practically significant professions. Among them is "Banking".

The profession "Bank employee" is characterized by the presence of competencies in the credit and financial sphere. He can work both directly in state and non-state banks, and in the planning departments of enterprises and institutions, financial institutions, stock exchanges, insurance companies, etc.

Banking professions

The structure of banking institutions is quite extensive.

Each department is represented by a large number of positions.

Banking specialists - professions:

Managers, managers, financial analysts, transaction officers, financial and credit experts, corporate and mortgage lending specialists, treasury specialists, securities specialists, etc.

Banking professions - list

• Bank Operations Manager,
• manager-consultant of a bank branch,
• clearing specialist
• credit: specialists, consultants, inspectors, brokers, etc.
• Service specialists,
• cashiers-operators,
• currency tellers.

Banking professions - description

Bank Operations Manager

Functional responsibilities - strategic planning of office activities. Coordination of interaction between structural divisions, improving the quality of work of employees. Increase in branch profits. This position is usually occupied by specialists with a higher specialized education ("Accounting", "Enterprise Economics") and at least two years of experience as the head of a bank's structural unit.

Bank branch consultant manager

Responsible for searching, attracting and servicing clients. Provides information assistance to legal entities and individuals in choosing the type of deposit or loan. Conducts banking operations on deposits. Maintains reports on the implementation of the plan.

Clearing Specialist

Coordinates mutual settlements between the parties to the transaction (barter intermediary). Such a specialist is asked for help in assessing the financial benefits of such a transaction, as well as the solvency of the parties. He provides competent documentation support for the transaction. Such specialists are welcome in the Central Bank of the Russian Federation, clearing banks, chambers or centers.

Credit specialist (expert, manager, consultant, inspector)

Searches for and attracts potential borrowers, draws up business plans to attract lenders. Organization and implementation of lending operations. Documentary support from the preparation and provision of a loan until its repayment.

Banking: profession, salary

Profession banking - description

Carrying out cash/non-cash payments. Work on issuing/repaying loans. Issuance/exchange/liquidation of plastic cards. Reporting, including tax reporting. Documentary support of transactions using information technology.

Professions related to banking

Auxiliary, but very important professions in the banking sector are lawyers, financial analysts, specialists in debt collection, marketing, management, etc.

It should be noted that mid-level employees in the banking sector are paid an order of magnitude higher than the regional average, outpacing inflation. Now the salary fluctuates between 15.5 - 30 thousand.

Banking: pros and cons of the profession

The advantages include high demand in the labor market. Opportunity for successful rapid career growth. Fairly high wages. Expanded social guarantees that most banks provide to their employees. At the same time, the profession of a bank employee requires special education, high concentration, and responsibility. In addition, at the initial stages of a career, high salaries and status are not guaranteed.

Today, one of the most prestigious specializations is banking. What kind of profession is this? What qualities should a person who decides to devote himself to the world of finance have? Where can you get the necessary knowledge and become a highly qualified specialist? Is it possible to choose the profession of banking after 9th grade? We will cover all the details in this article.

Profession "banking": description

Perhaps we should start by defining this concept. Because there are still people who ask: “Banking is what profession?” Many of them judge this issue too superficially. It is believed that a banking specialist is a narrow-profile profession. In fact, this is a completely incorrect statement.

Let's see what the word "bank" means? Translated from Italian - table. In ancient Rome, it was behind him that money changers carried out commodity and monetary exchanges. It turns out that a banker is a specialist who spends most of his working time at his desk and is engaged in economic and financial activities. Already in our time, a banker began to be called a person who worked in a bank - a place where money is stored.

What really stands behind the profession of “banking”? It is not at all necessary that a person work in a bank. The scope of activity can be very wide: exchanges, all kinds of companies and firms, investment organizations, financial institutions and other institutions. He can be a cashier, financial inspector, economist, accountant, etc. The main thing is that he will always have to deal with finances, no matter what organizations he works for. And for this you need to have the necessary skills and abilities, which we will talk about later. But first, let's take a short trip into the distant past.

A little history

It will be very interesting to know when banking began. We already know what kind of profession this is. The first bankers in ancient times were moneylenders. People who gave loans at favorable interest rates appeared in the 7th century BC.

Ancient Greece occupies a special place in the emergence and development of banking. The most popular transactions that were carried out here were operations with grain. It could be borrowed at huge interest rates, which were several hundred times higher than the real amount. If a person could not pay off a debt, then not only he himself, but also his family members became the property of the creditor.

The first bank appeared in the 16th century in England. When did banking appear in Rus'? This happened a little later. Large banking systems arose in Russia at the end of the 18th century. More than one work of art has been written about this. We can find an example of banking relations in F. M. Dostoevsky’s novel “Crime and Punishment.” One of the characters who carried out economic activities was an old money-lender.

Advantages and disadvantages of the profession

If you like banking and have decided to become a good specialist in this field, study all the pros and cons of this work. Let's do this together. So, the advantages of this profession:

• demand;
• high wages;
• prestige;
• many banks have a good bonus fund;
• there is an opportunity for career growth;
• you can quickly earn an excellent reputation;
• gaining invaluable life experience;
• master financial literacy.

Flaws:

Required professional qualities

In order to become a good banker in the future, you need:

• Be able to count well.
• Strive to acquire new knowledge and skills. Bankers, as a rule, never stop at receiving only one education. Many of them have several degrees.
• Have a good memory.
• Be a very attentive person and constantly work to develop this important quality for a bank employee.
• Be able to analyze and systematize information.
• Learn to complete any task, no matter how difficult it may seem.
• Be able to work in a team.
• A person cannot know everything. But he must be able to absorb the necessary knowledge. After all, now you will have to do this constantly.
• Be able to overcome difficulties.
• Love economic sciences.

If you have all the necessary qualities, and most importantly, that you dream of studying banking, be sure that you have chosen a good and interesting profession.

Requirements

Financial industry workers should have excellent knowledge and ability to do the following:

Where are specialists trained?

Many students leaving school are concerned about issues related to banking. What kind of profession is this? Where can I get it? Is it necessary to have a complete secondary education? If you decide to master this profession, then you will need to choose specialties such as:

• "Banking".
• "Economy".
• "Finance and Credit".

You can enroll in the specialty "banking" after 9th grade. For example, here are several options: “Moscow Commercial Banking College”, “Moscow Credit College”, “Siberian Polytechnic College” and others.

There are a great many higher institutions that train financiers in Russia. There are specialized higher education institutions, and there are separate faculties in institutes and universities. Let's name a few of the most prestigious and famous places: Financial University under the Government of the Russian Federation, MGIMO, Higher School of Economics. But there are other institutions that provide a high-quality theoretical basis.

How much do professionals earn?

When choosing a profession in banking, salary is one of the important factors. A competent specialist with a good reputation can earn up to $1,000 a month or more. True, not all bank employees earn that much. The salary of some does not exceed 200-300 dollars. But with due diligence and skill, over time, any employee can begin to earn much more.

A few words in conclusion

We hope that this article will be useful to many people. And first of all, she will be able to answer the question: “Why did I choose the profession of banking?” After all, despite all its complexity, it is very interesting and promising. If you feel that working with finance is your calling, then feel free to choose an economics education.

Currently, the specialty “Banking” is taught in many colleges in Moscow. The key argument when choosing an educational institution is the level of theoretical and practical training of students and prospects for further employment.

MGOK offers schoolchildren, after completing grades 9 or 11, to master the specialty “Banking” SPO (secondary vocational education) .

Training period

Full-time:

• Based on 9 classes: two years ten months.
• Based on 11 classes: one year ten months.

Extramural:

• Based on 11 grades: two years ten months.

Future qualification: banking specialist.

Future profession: sales manager of banking products, credit manager, specialist, operator, auditor.

The manager’s task is to study the market for corporate clients and offers from partner financial organizations. Based on the data obtained, a database of potential clients is formed, who will be offered active or passive banking products in the future. Active products are loans, guarantees and letters of credit, and passive products are deposits, transfers, cash management services, etc.

What will be taught to students majoring in Banking?

Training in the specialty “Banking” involves a comprehensive study of aspects of the activities of banking organizations. The educational program includes the study of the securities market, the principles of operation of the foreign exchange and credit markets, methods for assessing the financial and economic activities of enterprises and the creditworthiness of legal entities and individuals.

Student practice

The most important part of the educational program is the practical training of students. During practical classes, students practice the following skills:

• Carrying out credit operations. This type of activity includes assessing the solvency of clients, processing and issuing loans with their subsequent support, and conducting operations in the field of interbank loans.
• Conducting settlement transactions using various types of payments. Students must learn how to carry out settlement and cash services, interbank settlements, international settlements for export-import transactions, and handle settlements using various payment cards.

Job prospects

MGOK graduates can work in banks, trade and commercial enterprises, and financial and credit organizations.

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 Department.

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

The starting point 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 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 specialty Banking 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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