Description of the profession of a bank worker. Banking - what positions, salaries, where to study, what to take. Pros and cons of the profession Banker
Bankers(top and middle management) are the owners of bank capital and managers involved in the banking business. The profession is suitable for those who are interested in mathematics and economics (see choice of profession for interest in school subjects).
Features of the profession Banker
Lending is one of the classic banking operations. However, this is by no means all the activities of the bank. Most banks carry out various types of transactions and serve different segments of the clientele.
- Credit department accepts applications for loans, analyzes the financial condition of the borrower, the business project for which the loan is taken, the reliability of collateral or other security; maintains a credit file and monitors the intended use of the loan, controls the safety of collateral. The decision to grant a loan is made by the credit committee, consisting of the heads of various departments of the bank.
- Investment department is engaged in the analysis of projects requiring long-term investments (investments), including the purchase of enterprises, control over the implementation of these projects, the financial condition and development of enterprises.
- Department of valuable securities is engaged in the placement of securities on the stock exchange and on the market, making investments in profitable securities; as well as the issue of their own bills in order to attract funds.
- Dealing department(the treasury) carries out operations in the money and foreign exchange market, earning a profit on exchange rate fluctuations, buying and selling foreign currency to customers and other banks.
- Stock department places shares and bonds of the bank on the market.
- Operations department maintains and serves clients' accounts, accepts orders from clients for making payments and transfers them for execution to the settlement department.
- Department of plastic cards - an integral structure of a modern bank. Plastic cards for the bank are additional clients and additional income.
- Legal department... The work of the legal department begins with the opening of accounts for clients by checking the legality of the registration of the client (enterprise). Another important work of the bank's legal department is the conduct of arbitration processes that inevitably arise in the work of each bank. The result of the lawsuit depends on how the lawyer represents the bank in court.
- Reporting department... Reporting is the face of the bank. A self-respecting client will not work with a bank without studying its reports, which reflect all aspects of the bank's activities: the profitability of its operations, the number of customers, the size of the loan portfolio and the portfolio of securities. In addition, the reports are studied not only by the bank's clients, but also by the Central Bank of the Russian Federation. In the event of reporting that does not meet regulatory indicators, the Central Bank may prohibit the bank from carrying out certain operations (for example, issue loans or attract deposits), or it may even revoke the license and close the bank.
- Department of Economic Analysis... There can be no right decision without analysis. Correct decisions mean high profits, wrong ones mean losses.
- Department of Information Technology and Automation... The activity of a modern bank is impossible without computerization and the use of communication channels. The quality of the bank's work, and hence the number of its clients, largely depends on the quality and security of information technologies.
- Marketing department must provide such advertising that customers choose this particular bank.
The larger the bank, the wider and more voluminous its structure. The banks provide the opportunity to work consistently in all departments. A senior manager needs experience across all departments to lead successfully.
Pros and cons of the profession Banker
pros
The main advantage of working in a bank is rightly considered stability. Against the backdrop of a turbulent and unpredictable market for commercial enterprises that spontaneously appear and just as spontaneously disappear, commercial banks are the bastion of stability. In the banking system, it is quite possible to quickly take off a career. Working in a bank, a specialist independently chooses the path of development. If a manager wants to climb the career ladder and reach certain heights, he will use every opportunity: strive to overlap in the work of his department with the directions of other banking departments, complete tasks as scheduled, delay after the end of the working day in order to start doing what is planned for the nearest future. time to work. There is a direct relationship between income and the level of professionalism. The higher the position, the more serious the responsibility. The degree of risk is directly proportional to the position and the size of the salary.
Minuses
The disadvantages of the profession include the highest responsibility, lack of room for error, irregular working hours.
Place of work
A banking specialist can work not only in banks, but also in planning departments of various enterprises, investment planning departments, financial institutions, insurance companies, credit institutions, stock exchanges.
Important qualities
A successful banker must have such personal qualities as attentiveness, responsibility, dedication, initiative, readiness for self-education; efficiency, the ability to quickly find the right solutions; composure, clarity in the performance of professional duties, discipline; frugality, the desire to make money, not spend it; sociability; the ability to conduct a balanced policy.
Banker training
The Russian Institute of Professional Education "IPO" - is recruiting students for a specialty in the distance program of professional retraining and advanced training. Studying at the IPO is a convenient and quick way to obtain distance education. 200+ training courses. 8000+ graduates from 200 cities. Short deadlines for paperwork and external training, interest-free installments from the institute and individual discounts. Contact us!
Universities
We invite you to familiarize yourself with our list.
You can become a banking specialist in specialized universities of Russia at the economic or financial faculties in the specialties "Banking", "Finance and Credit".
Training in this specialty provides a complex of knowledge in the field of:
- banking operations
- finance and money circulation
- accounting in banks
- economic analysis
- accounting and economics of the organization (enterprise)
The educational program of the specialty "Banking" provides for the fundamental and special study by students of the legal and organizational foundations of the activities of credit institutions, the essence and technology of banking operations and transactions, accounting rules in credit institutions, threats to banking security and measures to eliminate them, the legal basis of audit activities. A special place is occupied by training in the skills of drawing up reports on the activities of a credit institution, applying methods and means of protecting banking information, preparing primary accounting documents, maintaining synthetic and analytical accounting of banking operations in the relevant accounting registers.
Secondary specialized educational institutions in the specialty "Banking":
- Moscow Commercial and Banking College;
- Moscow Credit College.
Salary
Salary on 02/24/2020
Russia 30,000-400,000 ₽
Moscow 40,000—150,000 ₽
The banking community is among the leaders in terms of salaries, the level of which depends on the position held and the size of the bank. Bankir.ru reports that bankers' salaries are growing faster than inflation.
Career Steps and Prospects
Higher education is a prerequisite for a career and a launching pad for professionalism. You can start a career in a bank from the position of a customer support employee, clerk, assistant accountant. The salary of a beginner specialist, as a rule, is not high. But there is an opportunity for career growth. Moving up the career ladder of a banker largely depends on the efforts of the employee himself, work experience, and the level of professional development. During the year, you can become a middle manager (head of a department). With certain abilities and aspirations, there is an opportunity to become the head of a bank branch, deputy head of a bank, director of a bank.
Famous bankers
Mayer Amschel Bauer (Rothschild) (1744-1812) - founder of the international dynasty of bankers, founder of a bank in Frankfurt am Main. The case was continued by his five sons: Amschel Mayer, Solomon Mayer, Nathan Mayer, Kalman Mayer, James Mayer. In 20 years the brothers have created the world's largest international banking consortium in the largest cities in Europe (Paris, London, Vienna, Naples, Frankfurt am Main).
Peabody George (1795-1869) - Native American. In the middle of the 19th century, his bank, with the help of the capital of the Old World, financed the industrial development of the young republic. Without Peabody, the US economy would not have grown so rapidly. And for sure, without Peabody, the J.P. Morgan empire would not have emerged.
Herbert Stepic (born December 31, 1946, Vienna) is an Austrian banker. Herbert Stepich created a unique network of banks RZB and Raiffeisen International
Gerashchenko Viktor Vladimirovich was born on December 21, 1937 in Leningrad. Professor, Doctor of Economics. Chairman of the Central Bank of Russia during the years of perestroika. In March 2002, he was replaced by Sergei Ignatiev. Viktor Gerashchenko worked at the International Monetary Fund, the International Bank for Reconstruction and Development, the Multilateral Investment Guarantee Agency, and the European Bank for Reconstruction and Development. In December 2003 he was elected a deputy of the State Duma of the fourth convocation.
Porthet of the ideal banker
The well-known banker Yevgeny Bernshtam was asked in an interview several years ago who the banker was. He replied that "a banker is, first of all, a sane person." A modern banker must have a good specialized education, be able to understand not only banking products, but also in life, perfectly know the psychology of people. He needs to have constructive thinking and be conservative in a good sense of the word. A very important quality for a banker is the ability to work effectively in a team. You need to have your own position, lead a certain lifestyle, expand your horizons, be able to force yourself to go towards the goal and improve yourself. Some clients can give a head start in economic literacy to many bankers. And if an economically educated client is faced with the ignorance of a bank employee, he ceases to respect, but not the employee himself as a person, but the bank with which this employee is associated in the client's mind. The more professional, consistent and purposeful the employees are, the more successful the bank in which they work, the more dynamically and confidently the banking structure of the state develops.
Professional holidays:
December 2nd- The Association of Russian Banks has announced the Day of the Bank Worker (since 2004). The annual International Financial Forum is timed to coincide with this day, at which the most important aspects of the development of the international banking system and world financial markets are discussed. And the best employees of banks on this day receive the Honorary badges of the Association.
December 2nd- the most suitable date for establishing a bank holiday. On this day in 1990, the laws "On the Central Bank of the Russian Federation" and "On banks and banking activities" were adopted. From that day the modern history of banking in Russia began.
In December, bank employees celebrate their professional holiday. First of all, let's find out which institution is called a bank? This is an institution where operations are carried out on cash deposits, lending, making payments to the population.
The bank employs bank employees. Some of them give clients the money they have accumulated, while others, on the contrary, take the money for safekeeping. Pensioners at the bank can receive their pension. If a person has earned money and does not want to keep it at home, he can take the money to the bank and put it into his personal account. At the right time, this person can always take his money from the bank, and even with accrued interest. Keeping money in a bank is much more convenient and safer than at home.
♦ What other transactions are performed at the bank?
Imagine this situation: a large store has sold a large amount of money in a day. Where to store them? Well, of course, at the bank. For the daily proceeds, collectors arrive in a special car and transport the money to the bank. In exactly the same way, many institutions, where a large amount of money is accumulated during a working day, transfer it to a bank for safekeeping.
There are a lot of banks in Russia, and each of them employs people of banking professions.
If you need a large amount of money in order, for example, to buy a dacha with a land plot, an apartment, a car, go on vacation abroad or carry out expensive treatment, you can borrow money from the bank or on credit, and then gradually return it to the bank.
If you are leaving for a long time, you can deposit your valuables in the bank.
The bank is a very necessary and important institution.
Bank employees have a lot to know and be able to do. Be accurate, attentive, have perfect computer skills, be able to work with people and have a good knowledge of mathematics.
The state needs banks to help finance the construction of residential buildings, kindergartens, various social facilities, new roads and highways; subsidize various directions of production development and much more. Banks help the state to do all this.
Listen to the poem.
Bank work
I want to work in a bank
Not everyone can handle this job!
There is a lot to know:
You need to give out money,
You need to take money,
Apply for loans,
Don't be angry with people.
You need to study well
So as not to be mistaken in anything.
There is no free minute at work -
Working in a bank is not a joke!
Answer the questions
♦ What institution is called a bank?
♦ What are the responsibilities of bank employees?
♦ Where is the best place to store large amounts of money?
♦ What qualities should a bank employee have?
♦ How do banks help individuals and the state?
Suitable educational specialties: Banking (higher).Key items: Social studies, Russian, mathematics.
Tuition fees (average in Russia): 352,000 rubles
Description of the profession:
* tuition fees are indicated for 4 years of full-time undergraduate studies.
Banker profession is widespread and popular these days.
Bankers (top and middle management) are the owners of bank capital and managers involved in the banking business. Banking professionals are bank employees. The duties of a banker depend on the position held. Basically, this is work with clients: service, consulting on various issues, as well as analytical activities, planning, forecasting.
Features of the profession Banker
Lending is one of the classic banking operations. However, this is by no means all the activities of the bank. Most banks carry out various types of transactions and serve different segments of the clientele.
Credit department accepts applications for loans, analyzes the financial condition of the borrower, the business project for which the loan is taken, the reliability of collateral or other security; maintains a credit file and monitors the intended use of the loan, controls the safety of collateral. The decision to grant a loan is made by the credit committee, consisting of the heads of various departments of the bank.
Investment department is engaged in the analysis of projects requiring long-term investments (investments), including the purchase of enterprises, control over the implementation of these projects, the financial condition and development of enterprises.
Department of valuable securities is engaged in the placement of securities on the stock exchange and on the market, making investments in profitable securities; as well as the issue of their own bills in order to attract funds.
Dealing department(the treasury) carries out operations in the money and foreign exchange market, earning a profit on exchange rate fluctuations, buying and selling foreign currency to customers and other banks.
Stock department places shares and bonds of the bank on the market.
Operations department maintains and serves clients' accounts, accepts orders from clients for making payments and transfers them for execution to the settlement department.
Department of plastic cards - an integral structure of a modern bank. Plastic cards for the bank are additional clients and additional income.
Legal department... The work of the legal department begins with the opening of accounts for clients by checking the legality of the registration of the client (enterprise). Another important work of the bank's legal department is the conduct of arbitration processes that inevitably arise in the work of each bank. The result of the lawsuit depends on how the lawyer represents the bank in court.
Reporting department... Reporting is the face of the bank. A self-respecting client will not work with a bank without studying its reports, which reflect all aspects of the bank's activities: the profitability of its operations, the number of customers, the size of the loan portfolio and the portfolio of securities. In addition, the reports are studied not only by the bank's clients, but also by the Central Bank of the Russian Federation. In the event of reporting that does not meet regulatory indicators, the Central Bank may prohibit the bank from carrying out certain operations (for example, issue loans or attract deposits), or it may even revoke the license and close the bank.
Department of Economic Analysis... There can be no right decision without analysis. Correct decisions mean high profits, wrong ones mean losses.
Department of Information Technology and Automation... The activity of a modern bank is impossible without computerization and the use of communication channels. The quality of the bank's work, and hence the number of its clients, largely depends on the quality and security of information technologies.
Marketing department must provide such advertising that customers choose this particular bank.
The larger the bank, the wider and more voluminous its structure. The banks provide the opportunity to work consistently in all departments. A senior manager needs experience across all departments to lead successfully.
Pros and cons of the profession Banker
The main advantage of working in a bank is rightly considered stability. Against the backdrop of a turbulent and unpredictable market for commercial enterprises that spontaneously appear and just as spontaneously disappear, commercial banks are the bastion of stability. In the banking system, it is quite possible to quickly take off a career. Working in a bank, a specialist independently chooses the path of development. If a manager wants to climb the career ladder and reach certain heights, he will use every opportunity: strive to overlap in the work of his department with the directions of other banking departments, complete tasks as scheduled, delay after the end of the working day in order to start doing what is planned for the nearest future. time to work. There is a direct relationship between income and the level of professionalism. The higher the position, the more serious the responsibility. The degree of risk is directly proportional to the position and the size of the salary.
The disadvantages of the profession include the highest responsibility, lack of room for error, irregular working hours.
Place of work
A banking specialist can work not only in banks, but also in planning departments of various enterprises, investment planning departments, financial institutions, insurance companies, credit institutions, stock exchanges.
Important qualities
A successful banker must have such personal qualities as attentiveness, responsibility, dedication, initiative, readiness for self-education; efficiency, the ability to quickly find the right solutions; composure, clarity in the performance of professional duties, discipline; frugality, the desire to make money, not spend it; sociability; the ability to conduct a balanced policy.
Where do they teach
You can become a banking specialist in specialized universities of Russia at the economic or financial faculties in the specialties "Banking", "Finance and Credit".
There are five top universities offering classical education for bankers, from where candidates for work in a bank are most willingly taken:
- Moscow State University. M. V. Lomonosov (Moscow State University),
- Moscow State Institute of International Relations of the Russian Ministry of Foreign Affairs (MGIMO),
- Financial Academy under the Government of the Russian Federation,
- Higher School of Economics (HSE) and Russian Academy of Economics. G.V. Plekhanova (REA)
Training in this specialty provides a complex of knowledge in the field of:
Banking operations
- finance and money circulation
- accounting in banks
- economic analysis
- accounting and economics of the organization (enterprise)
The educational program of the specialty "Banking" provides for the fundamental and special study by students of the legal and organizational foundations of the activities of credit institutions, the essence and technology of banking operations and transactions, accounting rules in credit institutions, threats to banking security and measures to eliminate them, the legal basis of audit activities. A special place is occupied by training in the skills of drawing up reports on the activities of a credit institution, applying methods and means of protecting banking information, preparing primary accounting documents, maintaining synthetic and analytical accounting of banking operations in the relevant accounting registers.
Secondary specialized educational institutions in the specialty "Banking":
1. Moscow Commercial Banking College.
2. Moscow Credit College.
Salary
The banking community is among the leaders in terms of salaries, the level of which depends on the position held and the size of the bank. According to a survey by the Bankir.ru portal, 13% of Russian bank employees (ordinary employees) receive salaries at the level of 100 thousand rubles or more. The same portal reports that bankers' salaries are growing faster than inflation.
Career Steps and Prospects
Higher education is a prerequisite for a career and a launching pad for professionalism.
You can start a career in a bank from the position of a customer support employee, clerk, assistant accountant. The salary of a beginner specialist, as a rule, is not high. But there is an opportunity for career growth. Moving up the career ladder of a banker largely depends on the efforts of the employee himself, work experience, and the level of professional development. During the year, you can become a middle manager (head of a department). With certain abilities and aspirations, there is an opportunity to become the head of a bank branch, deputy head of a bank, director of a bank.
Famous bankers
Mayer Amschel Bauer (Rothschild) (1744-1812) - founder of the international dynasty of bankers, founder of a bank in Frankfurt am Main. The case was continued by his five sons: Amschel Mayer, Solomon Mayer, Nathan Mayer, Kalman Mayer, James Mayer. In 20 years the brothers have created the world's largest international banking consortium in the largest cities in Europe (Paris, London, Vienna, Naples, Frankfurt am Main).
Peabody George (1795-1869) - Native American. In the middle of the 19th century, his bank, with the help of the capital of the Old World, financed the industrial development of the young republic. Without Peabody, the US economy would not have grown so rapidly. And for sure, without Peabody, the J.P. Morgan empire would not have emerged.
Herbert Stepic (born December 31, 1946, Vienna) is an Austrian banker. Herbert Stepich created a unique network of banks RZB and Raiffeisen International
Gerashchenko Viktor Vladimirovich was born on December 21, 1937 in Leningrad. Professor, Doctor of Economics. Chairman of the Central Bank of Russia during the years of perestroika. In March 2002, he was replaced by Sergei Ignatiev. Viktor Gerashchenko worked at the International Monetary Fund, the International Bank for Reconstruction and Development, the Multilateral Investment Guarantee Agency, and the European Bank for Reconstruction and Development. In December 2003 he was elected a deputy of the State Duma of the fourth convocation.
Porthet of the ideal banker
The well-known banker Yevgeny Bernshtam was asked in an interview several years ago who the banker was. He replied that "a banker is, first of all, a sane person." A modern banker must have a good specialized education, be able to understand not only banking products, but also in life, perfectly know the psychology of people. He needs to have constructive thinking and be conservative in a good sense of the word. A very important quality for a banker is the ability to work effectively in a team. You need to have your own position, lead a certain lifestyle, expand your horizons, be able to force yourself to go towards the goal and improve yourself. Some clients can give a head start in economic literacy to many bankers. And if an economically educated client is faced with the ignorance of a bank employee, he ceases to respect, but not the employee himself as a person, but the bank with which this employee is associated in the client's mind. The more professional, consistent and purposeful the employees are, the more successful the bank in which they work, the more dynamically and confidently the banking structure of the state develops.
Professional holidays:
December 2nd- The Association of Russian Banks has announced the Day of the Bank Worker (since 2004). The annual International Financial Forum is timed to coincide with this day, at which the most important aspects of the development of the international banking system and world financial markets are discussed. And the best employees of banks on this day receive the Honorary badges of the Association.
December 2nd- the most suitable date for establishing a bank holiday. On this day, in 1990, the laws "On the Central Bank of the Russian Federation" and "On banks and banking activities" were adopted. From that day, the modern history of banking in Russia began.
Bank employee - stable, interesting, prestigious job with high salaries, 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 the company's branches, the more complex the structure of the banking organization, the more vacancies, areas of employment for full-time specialists. Most popular / demanded activities:
- Credit consultations. There is a division into retail and corporate lending units. Specialists of the first one deal with 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).
- The foreign exchange department (+ servicing securities) is engaged in analytical practice, foreign exchange operations, auctions, and 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 / clerks are specialists serving the flow of customers (checking documents, counting money, transfers, issuing funds) or internal settlements of the company.
- 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 in choosing where to study. Many graduates of our management courses (profile "Human Resource Management", "Strategic Management") have successfully found employment 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 and 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 salary can be 20–35 thousand rubles, in 2–5 months the employee receives up to 45 thousand. The salary for middle-level managers, senior loan officers, regional managers starts from 60–80 thousand rubles / month. Experienced experts receive $ 100-130 thousand.
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 the financial condition of the borrower, and so on)
- investment (analysis of projects that need long-term loans)
- stock department (deals with the placement of bonds and 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 in the financial market in order to make a 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. A bank employee is a hired specialist in a banking structure holding a specific position.
Who can become a banker: suitable qualities for the job
Any specialist who decides to work in the financial sector, 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
- industriousness
- active life position
- purposefulness
You need to be prepared for related activities. For example, an employee of the legal department of a bank must understand not only the legal 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?
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 $ 4,000 or more. Such income is justified by high risks, the greatest responsibility and a wide range of tasks performed.
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 advanced training for employees
- motivation of partners and staff
- responsibility for fulfilling the bank's business fee for consumer loans
There are different types of salaries for different department heads, presented below (expressed in thousand dollars):
- lending process development department - 1.8
- credit risk management department - 2.2
- IT project - 2.5
Economists and accountants receive relatively modest salaries, on average, $ 500. Their responsibilities are accounting 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