First, the life of a financial manager.
Busy and full
Domestic financial managers are essentially service and marketing roles, and their work is very busy. His daily work is similar to that seen in film and television dramas: suits and ties, receiving different people, participating in various business activities, and reading materials with several computers at the same time. Compared with many simple and repetitive jobs in banks, financial management positions are less repetitive, can control their own time, and have rich daily work content. Compared with employees of the same age, financial managers have more income, more promotion opportunities, more training opportunities, more opportunities to enter and leave high-end places and make high-end consumption. If they catch up with market opportunities, the treatment of financial managers is very enviable. This is what many young people who can't stand loneliness like.
2. Pressure and opportunity
In the case of clear assessment, performance and promotion channels, the fastest promotion in the bank is the marketing staff, and almost all indicators are quantitative. You can know in advance how much money you earn and whether you will be promoted. There is no need to "fight for dad" or please the leaders. Very suitable for energetic young people. Of course, the pressure is also great. Work is not an exam, and assessment is not playing games. Every achievement requires hard work and sweat.
3. Positioning and offside
In practical work, many financial managers have made a mistake in their positioning: some position themselves as waiters, only knowing before and after running away from customers; Some position themselves as market forecasters and are keen to guide customers to invest; Some think of themselves as office workers, sitting in workstations and waiting for customers; Some often stay with high-end customers and regard themselves as high-end customers. Wrong positioning will lead to wrong results. Some people's performance really improved quickly, but some financial managers worked hard but got into trouble. At this time, it is necessary to review whether there is any deviation in my understanding that post-service and marketing are the accurate positioning of bank wealth management managers.
Second, the basic quality of financial managers
Character and moral quality
Today, with more and more emphasis on personal feelings, people are reluctant to do jobs that are purely for their livelihood and are not interested. Work content must not conflict with personality. Work with distorted personality can make people feel unhappy, and natural work can't be done well. People with the following personalities usually can't be engaged in the post of financial manager: First, they are introverted and don't like to communicate with others. The job of the financial manager is to communicate with people around him constantly; Second, the psychological endurance is poor, because this position is often complained by customers, and it will also face large or small market fluctuations. Many people leave this position because they can't bear the psychological pressure brought by customer complaints; The third kind is people who exaggerate and love success. Financial management is a professional job, and it needs to be rigorous enough when introducing it to customers. Exaggeration will mislead customers' decisions and bring incalculable losses. The fourth kind is people who do whatever it takes to achieve their goals. It is understandable that people do things with a purpose and work with a purpose. However, if they do whatever it takes to achieve their goals, they will not only harm others, but also harm themselves. Some financial managers mislead customers for performance and income, causing huge losses to customers, and eventually the situation is out of control.
2. Knowledge and skills
? First of all, don't think that you must have a financial background to be a financial manager. In fact, anyone with any professional background can become a financial manager. A senior executive of Citibank was born as a financial manager and was a policeman before doing financial management. Cross-discipline and multi-discipline are helpful to the financial manager's future work, and these majors will come in handy when communicating with customers.
? Generally speaking, financial managers will have more business training before joining the job and when working in this position, and some financial institutions will also require various professional licenses. As long as you study hard, you can make up the professional knowledge class soon. Of course, with the promotion of posts and the improvement of customers' level in the future, a solid professional foundation is needed, but after all, banks do not need academic personnel engaged in research, nor do they need too deep professional background. As long as "non-professional" financial managers pay more attention to accumulation, read more books and study more in their daily work and life, their professional knowledge will soon be supplemented.
? In addition to professional skills, financial managers should also have a non-professional skill, such as collection, jewelry, health care, numerology, religion and other areas of interest to high-end people. Even without these, rich knowledge of parenting, tourism and decoration will be very helpful. In order to further deepen the relationship with customers, financial managers should not only talk about professional skills with customers, but also non-professional skills are a key to open the door of communication between the two sides.
3. Experience
The financial manager's experience is divided into two parts, one is professional experience; The other part is to maintain the customer experience.
Professional experience is very important. As long as the policy allows, financial managers should participate in the actual operation of the market and take this as the center. Stock market, precious metals, foreign exchange, bonds, funds, etc. It is very beneficial to experience more market fluctuations: first, let financial managers know the market more clearly and understand the word "risk" more deeply, and don't regard themselves as the winners of the market; Secondly, there are many communication topics with customers, because customers are unwilling to communicate with a new rookie; Third, having market experience is also an important capital for marketing customers.
Customer maintenance experience is more important, because financial managers have to deal with all kinds of people and communicate in a way that these people can accept. This skill cannot be taught. It requires financial managers to know their own personality characteristics through constant ups and downs and experiences, and at the same time to identify and adapt to others. This ability is very important no matter what position you are in the future. In practical work, this requirement is too high, and the team leader will generally divide the work according to the personality of the financial manager. For example, young male VIP customers generally use women instead of young male financial managers, and elderly customers generally use male financial managers.
Third, how to become a financial manager
Transfer jobs. There will be many opportunities for job transfer within the bank. Generally speaking, the internal work transfer comes from the transfer of counter personnel, who have to take part in the examination and selection. These people who have done customer service and specific business are familiar with the business and have certain advantages in becoming financial managers. Of course, some account managers were downgraded to financial managers because of poor performance.
2. Social recruitment. Becoming a financial manager of a bank is one of the easier choices for many young people who are interested in banking. Entering a bank is relatively simple, and it is not too difficult to apply for or be promoted to become a financial manager.
Many banks are willing to recruit people with work experience or financial experience to be financial managers. For those young people who have no working experience in financial institutions, it is relatively easy to work in a securities company or an insurance (assured insurance) company for a period of time before applying for a bank.
Fourth, the career development of financial managers.
? Banking institutions with financial managers generally establish a career development sequence of financial managers, from junior assistants to senior financial managers and senior financial managers. The treatment of a senior financial manager is equivalent to that of a branch president or higher. If the performance is excellent, the financial manager will continue to develop along the professional channel. Junior financial managers receive mass customers and senior financial managers receive high-net-worth customers. One of the best, after training, will become a private bank-level financial manager. In addition, after several years of training, financial managers have other business lines to develop.
? The first is the account manager. The financial manager is busy and serves many customers. If there are few customers, but the quality is good and the relationship is stable, especially if there are many corporate customers, many financial managers will choose to jump ship and become account managers. The job responsibilities of the account manager are different from those of the financial manager, and the business will be more comprehensive. Account managers earn more than wealth managers and have more free time. Of course, the pressure of assessment will be even greater.
The second is the gold medal product manager. A good financial manager can be a product manager of a personal bank because he is familiar with products, markets, customer maintenance and other fields. This position is no longer to maintain customers, but to engage in management work, formulate policies, launch products, organize training and so on in the branch. And the work pressure will be much smaller than the marketing position.
Of course, if the financial manager is promoted to an administrative position, he will enter the administrative sequence, such as supervisor, manager and general manager. China has a tradition of "learning to be an excellent official". If you manage your finances well, you can also enter the "official career".
? The position of financial manager can provide a platform for many people to display their talents and realize their dreams. As long as young people feel hard, work hard and have good ideas, they will certainly reap rich returns.
I hope the above reply is helpful to you.