Os bancos fornecem um componente importante da economia, conectando investidores e depositantes com aqueles que buscam capital. Alguns bancos se envolvem em bancos de varejo, emprestando dinheiro diretamente aos consumidores. Outros bancos, freqüentemente chamados de bancos comerciais, lidam com corporações. Alguns bancos fornecem ambos os tipos de serviços. Os banqueiros de negócios trabalham em bancos comerciais e ajudam as empresas a obter sucesso, fornecendo serviços e produtos financeiros para ajudá-los a expandir ou manter seus negócios.
Deveres
Durante uma típica semana de trabalho, um oficial de crédito comercial reúne-se com representantes de empresas, responde suas perguntas e analisa o valor do crédito e a saúde financeira de suas empresas. Ele explica as opções disponíveis e reúne as demonstrações financeiras e outras informações necessárias para determinar se os empréstimos podem ser aprovados. O banqueiro calcula e fornece programações de pagamento e executa outros tipos de documentos. Os banqueiros de negócios devem estar sempre atualizados com novos tipos de empréstimos e produtos financeiros.
Ambiente de trabalho
Os banqueiros de negócios, especialmente os agentes de crédito, desempenham um papel fundamental no desenvolvimento de novas receitas para seus bancos. Eles constroem relacionamentos com os clientes e, portanto, nem sempre permanecem em suas filiais. Eles podem viajar para os locais dos clientes para acompanhar empréstimos existentes ou gerar novos negócios. Eles podem trabalhar à noite e às vezes nos fins de semana.
Educação e Qualificações
De acordo com o Bureau of Labor Statistics dos EUA, os banqueiros de empresas geralmente têm pelo menos um diploma universitário. Muitos possuem mestrado em administração de empresas. Candidatos a posições bancárias comerciais se beneficiam da experiência de vendas. Organizações como a American Bankers Association e outras oferecem oportunidades de desenvolvimento profissional.
Possibilidades
Avanço no setor bancário geralmente requer treinamento adicional e certificações. No entanto, muitos bancos pagam por programas de educação continuada. Vários fatores influenciam o potencial de ganhos, particularmente a localização e o tamanho do banco.
Compensação
De acordo com a Occupational Information Network, os agentes de crédito ganharam em média US $ 26,38 por hora ou US $ 54.880 anualmente em 2009. Os candidatos a esses empregos podem esperar um crescimento médio na taxa de vagas de 2008 a 2018, de acordo com o BLS.
FAQ - 💬
❓ What are the skills of a banker?
👉 The top skills retail banking, insurance and actuarial employers...
- Communication skills. ...
- Problem solving. ...
- Customer service. ...
- Emotional intelligence. ...
- Numeracy skills. ...
- Teamwork. ...
- Organisation and time management. ...
- Leadership and team management.
❓ How do I become a small business banker?
👉 How to Become a Small Business Banker
- Earn a bachelor's degree in business, finance or a related field. ...
- Complete an internship with a bank or financial institution. ...
- Obtain a license to sell insurance products. ...
- Develop strong interpersonal and communication skills. ...
- Understand banking regulations and compliance issues.
❓ What do bankers do all day?
👉 Investment bankers meet with clients, prepare offers, run financial projections, and work on pitchbooks, that help generate new clients. The work is lucrative but the days are long and stressful. Superior social skills are required for success in the field.
❓ What qualities make a good banker?
👉 “A banker needs to have good judgment, service orientation and the ability to cope well under stressful circumstances. Organizational skills, time management and a strong work ethic are also essential for this job.”
❓ Which bank pays highest salary?
👉 Top companies for Bankers in United States
- Citi. 3.9 $62.74per hour. 18,792 reviews13 salaries reported.
- FirstBank & Trust. 3.8 $41.04per hour. 36 reviews7 salaries reported.
- KeyBank. 3.5 $26.70per hour. 2,105 reviews11 salaries reported.
- DISYS. 3.5 $25.70per hour. ...
- Rockland Trust. 3.8 $22.42per hour. ...
- Show more companies.
❓ Can a bank ask where you got money?
👉 Yes they are required by law to ask. This is what in the industry is known as AML-KYC (anti-money laundering, know your customer). Banks are legally required to know where your cash money came from, and they'll enter that data into their computers, and their computers will look for “suspicious transactions.”
❓ How many hours do bankers work?
👉 How many hours do investment bankers work a day? The average working hours of an investment banker is reported to be around 60 to 80 hours a week.
❓ What is life like as a banker?
👉 Investment bankers meet with clients, prepare offers, run financial projections, and work on pitchbooks, that help generate new clients. The work is lucrative but the days are long and stressful. Superior social skills are required for success in the field.
❓ Why should we hire you in bank?
👉 I am motivated to get this job, it is my dream. If you hire me, I will do my best to exceed your expectations and to provide a top notch customer service day in day out. What is more, I really like your bank, and hope to stay here for many years, growing professionally. I have a lot of experience with customer service.
❓ What is your weakness in bank interview?
👉 Give a BS answer like “I work too much” or “I'm too much of a perfectionist.” Give a legitimate weakness, like saying that you sometimes lose focus when working on extended projects, or that you have trouble delegating work to others, and then show how you've been working to improve yourself.
❓ Which banking job is best?
👉 Check out your options to find the best career fit based on your interests, skills, and education level.
- Financial Analyst. As a financial analyst, you help businesses or individuals make investment decisions. ...
- Personal Financial Adviser. ...
- Relationship Manager. ...
- Accountant. ...
- Auditor. ...
- Branch Manager. ...
- Loan Officer. ...
- Collector.
❓ What is the job description of a bank banker?
👉 Bankers, also known as retail bankers, interact with clients on a daily basis by assisting with services such as setting up checking and savings accounts, authorizing loans, and moving money. They also counsel clients on banking products and services. Completely free trial, no card required.
❓ What does a business banking manager do?
👉 Responsibilities include overseeing maintenance of client accounts and ensuring clients needs are met. Being a Business Banking Manager I grows loans, deposits, and fee-based services for the Business Banking unit.
❓ What kind of jobs can you get with careers in banking?
👉 Career growth opportunities in Retail, Business Banking or Wealth Management, including, but not limited to, Licensed Relationship Banker, Branch Manager and Business Relationship Manager based on success in this front-line role 2 Business Banker Job Description Job Description Example
❓ What does a small business banker do?
👉 Small business bankers apply business development and relationship management principles, practices, and techniques to achieve target level sales of commercial lending, as well as deposit products and services.