Career planning for bank account managers
Bank account managers can be said to be the bridge of communication between the bank and the customer, customer-centered, dealing with customer deposits and loans and other intermediary business; maintenance of customer relations, and timely resolution of unexpected problems.
First of all, I think that no matter which place to work, there are ? Busy busy dead, idle idle dead? This bittersweet situation. It's not that your busy income is necessarily higher than those who are not busy, and it's not that your idleness indicates that you don't have a status. I have the experience of working in a sub-branch when I was doing credit. The main job was to visit customers every day. Since the president of the bank liked me more, basically the president drove me to talk to his old friends and clients. At noon, I had dinner with customers, and at night, not to mention, naturally, I drank with customers. Every day, the business is easy to do, although there is no assessment indicators during the internship, but half a year down about 30 million loans such performance. I am ashamed to say that this performance is also mainly the president of the talks, but counted in my name only. But in fact, the most pressure within the bank is the grassroots account manager, whether public or private, there are a series of indicators need to be accomplished, these are closely linked to your income. In addition to being familiar with the business, you have to be articulate and sociable. In addition, luck and environment are also very important. I know a buddy, just jumped from the mainland bank, not familiar with the place, one day in the office building waiting for people, found a company is being renovated, buddy talked to people, I did not expect to talk with the person is the company's chief financial officer, and even more unexpected is that this is one of Taiwan's top three IT vendors, this is a big deal, half a year to get several hundred million dollars in deposits, and also made countless loans and discounting. A year later, this buddy was formally promoted to branch credit manager, can be called the legend of our year. I also know a friend, originally a branch of the business backbone, every year ranked in the top, because the transfer to another branch, the environment is not adapted to, for several months did not complete the target, salary and bonus was deducted and deducted, half a year income of only 20,000 yuan. These are real situations that I have seen with my own eyes.
Branch account managers are under a lot of pressure, but relatively high incentives, I know the highest can get more than 200,000 a year. The counter staff including accounting and savings is a different story. Accounting positions are relatively stable at the moment because they require relevant . Knowledge and education, plus banks in general have better accounting systems. Of course, outrageous things like Alpine have happened in Chinese banks. However, in my bank, the accounting supervisor of a branch doesn't always give enough face to the president, and everything is done according to the system without any room for accommodation. Accounting staff used to earn not bad, probably also can be 70,000 or 80,000 like, but currently dropped a lot, I do not know exactly.
The savings position is relatively simple, but it's harder and more laborious. The bank's system is that if you can't get back the long and short term loans, you will definitely have to pay for them out of your own pocket. I asked many of my colleagues in the savings, especially when I first started working, to lose 1,000 or 2,000 dollars is a common occurrence. It's no wonder. Every day, we receive 1 or 2 hundred customers, handle so much money, the air inside the hall is dirty, the sound is noisy, and it's always hard for people to avoid making mistakes. The income from savings is even lower than that of an accountant. The first thing you need to do is to get a good deal of money from the bank, and then you have to pay for it.
Other positions in the branch:
President, my branch is not large, a **** about 20 people, the president is the leader of the 20 people. He earns about $340,000 a year, not including office expenses such as meals, phone calls, gasoline reimbursements, etc. But that's if the benefits are good, if the benefits are poor and he doesn't get the job done, then he only gets a little over 100k. Overall it's good bad work. But you can't get into this position without being in your 30s.
Credit supervisor, accounting supervisor, the most important cadres of the branch, in addition to the leadership of the bank president is also subject to the management of their immediate departments. We all know that the middle cadres are the most tired, in addition to completing their own tasks, but also responsible for the people under the hands of the size of the matter. They are also responsible for the problems of their subordinates. Therefore, they live a life of fear and trepidation. The annual income is probably more than 100,000 yuan.
Lobby managers, temporary workers, trainee employees. Generally are not counted into the bank's official establishment, but I heard that in recent years began to turn one after another into long-term contract labor. These people have the lowest income, probably ranging from 1, 2 thousand a month, including drivers, clerks and so on.
In the bank grassroots, the main work is to complete a variety of indicators of the task. Tiredness depends on how you think. I personally feel that the most difficult is the credit staff, every day in the outside running, but also no protection. But at least better than the insurance company business, a lot of companies are posted in front of the door? Do not enter the promotion of insurance?
The company's headquarters is located in the heart of the city, in the heart of the city, in the heart of the city.
The situation at headquarters
Some people think that I am a step up, grassroots speak directly to the headquarters, huh, in fact, in my opinion, this level of the branch simply does not need to exist. Why? There is time to say.
Bank headquarters has many departments, China is not currently divided into departments to the product line, resulting in the classification of the situation is very messy. But in general, there are a few key departments:
Accounting department, head office accounting department is very important, responsible for the whole bank accounting and fund clearing, but also responsible for some business development.
Planning and Finance Department, equivalent to the General Counsel, put forward the bank's various business indicators, responsible for accounting for the cost of assets and liabilities or profitability, but also to manage the capital position, provisions and so on.
Information Technology Department, there are a lot of people do not understand what the bank's IT department is doing, that is, installing computers. I tell you, in addition to the grass-roots computer staff is to help maintain office computers, the headquarters of the IT staff and the general software company's no difference, and even work harder. Banks of various systems, program development, project development, functional modules need IT support, you think the bank is still using manual accounting ah? For example, the customer to the bank deposits, transfers, through the branch client to the branch AS400 host, and then to the mainframe of the head office, the return of information, the provision of deadline selection, the review of the key management, the transmission of information encryption and so on, all belong to the IT category. I personally have been involved in charge of the launch of new business many times, and programmers have dealt with many times, the development of a new product, it is thought to develop a number of new programs and new modules, before the development of the need to write a detailed requirements, the development of continuous modification, development of static testing, dynamic testing, UAT testing, on-line testing, the official on-line and so on a series of work. At present, the international IBM and other large IT companies are specifically responsible for financial IT consulting and development business, in fact, is the work of these. And the current trend of the bank's electronic business is precisely this work is also increasingly important
Trading Department, responsible for capital transactions, RMB borrowing and lending, treasury underwriting, repurchase, foreign exchange trading, foreign exchange bond trading, derivatives trading, new product development and design. This is the CPU of the bank, and it can only price correctly if it knows the current prices of interest rates and exchange rates in the market. This is where all the products are priced.
Investment banking or asset management department, responsible for fund custody, customer bond issuance, etc.. It's not clear yet, but there will be a big future in the mix.
Risk Control Department, responsible for risk management. For example, large loan approvals, business lines, etc..
Other departments, corporate and retail: these are two departments according to the type of customer, mainly responsible for marketing, the international practice is seen as SALES department
Interbank department, responsible for interbank transactions
Offshore department, offshore customers.
Legal or compliance department, responsible for contract writing, compliance review and so on
Audit and internal control department, internal audit and auditing
Monitoring and security department, administration department, human resources department? support department
The situation is as above, so many departments, everyone has their own duties, and the division of labor is relatively clear. However, Chinese banks are more or less backward and conservative, so I won't go into the details. Of course, the head office is not the same as the grassroots. In fact, for young people, the head office has a high starting point, a big stage, and a relatively stable income. In practice, I also feel that the grassroots level is a better place to train people. However, in the past few years, the grassroots were promoted faster. Maybe it's because the grassroots level is all about performance, while in the headquarters, it's not just about ability. Headquarters has the philosophy of survival of the headquarters, first of all, to make fewer mistakes, the so-called? The more you do, the more mistakes you make. The more you do, the greater the chance of making mistakes. Secondly, we also need to look at the leadership and the environment, the leadership is enlightened, the environment is healthy, of course, the best, naturally, you can show off your skills, even if you do not get promoted, they have learned the skills. If the leadership is mediocre, the environment is complex, it is difficult to say, depending on luck.
There seem to be a lot of people who want to get into the bank these days, but to be honest, I've seen a lot of people at the end of the world who seem to understand the bank, and actually know a lot about it. I hope I can shed some light on this. I'm also willing to answer further questions, as long as they're not particularly specific, so I know what I'm talking about. I will have time later to write specifically about what I know about foreign banks.