本文发表在 rolia.net 枫下论坛Salaries will vary depending upon years of experience and actual job tides; however, compensation for a large number of these careers is often in the six-figure range after five to 10 years of experience have been obtained.

The list below identifies a number of finance careers and a brief description of the duties associated with them. For more details, go to the Careers in Business website.

Corporate Finance

1. Treasurer: Responsible for financial planning, raising funds, cash management, and acquiring and disposing of assets.

2. Financial Analyst: Determine financial needs, analyse capital budgeting projects, conduct long-range financial planning, analyse possible acquisitions. arid asset sales, visit credit agencies to explain firm's position, work on budgets, analyse competitors, implement financial plans, monitor the market price of your company's securities, analyse leasing agreements, and determine needs and methods of dealing with derivatives.

3. Credit Manager: Establish policies for granting credit to suppliers, establish guidelines for collecting on credit, and consider whether to securitize receivables.

4. Cash Manager: Establish relationships with banks, manage short-term credit needs, ensure that sufficient cash is on hand to meet daily needs, put excess cash into a concentration account bearing interest, and handle international transfers of funds.

5. Benefits Officer: Manage pension fund assets, set up employee retirement plans, determine health care benefits policies, and work with human resources to set up cost-effective employee benefits.

6. Real Estate Officer: Find real estate locations for a company and negotiate lease agreements. Also responsible for acquisition of real estate and valuation of properties.

7. Investor Relation Officer: Deal with the investing public by disseminating financial information, respond to queries from institutional investors, issue press releases to explain corporate events, and organize teleconferences with investors.

8. Controller: Responsible for financial planning, accounting, financial reporting, and cost analysis. Will get involved in property, revenue, benefits, derivatives, leases, and joint interest accounting. May need to develop forecasting models to project revenues and costs. May be called on to implement or work with a complex costing system, financial re-engineering, transfer pricing issues, or interface with auditors.

Commercial Banking

1. Credit Analyst: Evaluate business and consumer loan applications made to your bank. Your duties include projecting a company's future cash flow, evaluating its current financial soundness, visiting and interacting with financial people at businesses, and dealing with lenders. You will learn a lot about business in this job.

2. Loan Officer: Make loans to businesses and consumers.

3. Branch Manager: Responsible for overseeing all activities at your branch including opening new accounts, loan origination, solving customer problems, foreign exchange, and safety deposit boxes. Most importantly, you are responsible for establishing relations with customers.

4. Trust Officer: Responsible for delivering trust services, financial products, and advice to bank customers (often more upscale ones).

5. Mortgage Banker: Responsible for making mortgage loans to homebuyers and businesses. This involves heavy contact with real estate professionals, credit checks, and dealing with new buyers.

6. Other Jobs: Other jobs in banking involve accounting, marketing and advertising, commercial card operations securities transfer, wire operations, private banking, cash management services, instalment loans, loan servicing, correspondent banking, personnel, operations, and communication.

Investment Banking

1. Corporate Finance: Responsible for helping companies raise capital needed for new projects and ongoing operations. Work to determine the amount and structure of funding needed by a client through equity, debt, convertibles, preferred, asset-backs, or derivative securities.

2. Mergers and Acquisitions: Setting up deals in which one company buys another, an important source of fee income for many investment banks. Responsible for helping out and working with a team that acts as an advisor to a client, values transactions, creatively structures deals, and negotiates favourable terms.

3. Project Finance: Involves funding infrastructure and capital projects.

4. Trading: Involves undertaking transactions in equities, bonds, currencies, options, or futures with traders at commercial banks, investment dealers, and large institutional investors.

5. Structured Finance: Create financing vehicles to redirect cash flows to investors, known as asset-backed securities (ABS). Typical ABSs securitize credit card receivables, auto loan receivables, or mortgages.

6. Derivatives: Many jobs associated with the sale of management of derivatives, which require substantial knowledge of technical details regarding derivatives and their pricing.

7. Advisory: Provide advice to the public and to private clients involved in mergers or financing.

8. Equity and Fixed-Income Research: Analyse stocks and bonds and make buy or sell recommendations based on your analysis.

9. International Sales/Emerging Markets: Analyse foreign markets and securities within those markets and/or act as a salesperson for investors who wish to invest in these markets.

10. Public Finance: Assist various government agencies (at the federal, provincial, and municipal levels) in raising funding.

11. Retail Brokerage (Stockbroker): Involved in selling stocks, bonds, mutual funds, and other products to individual investors.

12. Institutional Sales: Convey information about particular securities to institutional investors (such as pension funds and mutual funds).

13. Computer Guru: Maintain computer and information systems and assist with the development of software.

14. Ratings Analyst: Assign credit ratings to the debt instruments of businesses and governments.

Money Management

1. Portfolio Manager: Responsible for selecting and managing investments to meet the goals of a group of investors usually working for a money management firm or pension fund.

2. Portfolio Management Sales: Attempt to attract and maintain clients for a portfolio management company.

3. Investment Advisory: Provide investment advice, performance evaluation, and quantitative analysis to the money management sector.

4. Mutual Fund Analyst: Analyse mutual funds and/or the variety of potential investment instruments that might be included in a particular fund.

Financial Planning

Financial planners help individuals plan their financial futures, which requires an understanding of investments, taxes, estate planning issues, as well as excellent interpersonal skills.

Insurance

1. Actuary: Use analytical skills and techniques to predict the risks associated with writing insurance policies on property, businesses, and people's lives and health.

2. Agent and Broker: Advise people and organizations on their insurance needs and sell them the appropriate products.

3. Claims Adjuster: Negotiate claims for people who have experienced a loss that is covered by insurance.

4. Service Representative: Serve as the link between agents who sell insurance policies and insurance companies that write the policies.

5. Loss-Control Specialist: Assist in maintaining accidents and losses to a minimum by identifying and helping to eliminate potential hazards and promoting precautionary mechanisms.

6. Risk Manager: Help organizations to identify the risks they face and make recommendations for dealing with them.

7. Underwriter: Evaluate applicants' exposure to risk, decide whether they meet minimum acceptable standards, and assist in product pricing.

Real Estate

1. Real Estate Agent/Broker: Sales professionals who contract their services to real estate companies for a commission-sharing agreement.

2. Real Estate Appraisers: Provide unbiased estimates of a property's value and quality, often working for banks or real estate companies.

3. Property Managers: Manage real estate properties for the owners. Duties include negotiating leases, ensuring tenants are satisfied, and collecting rents.

4. Real Estate Advisory: Help investors select properties that are likely to increase in value and help them care for their properties.

5. Development and Construction: Identify the potential for new real estate developments; and work through to the ultimate completion of such projects. A high-risk, high-potential reward career that requires an entrepreneurial flair.

6. Real Estate Entrepreneur: Buy properties based on the expectations that they will increase in value because of improved market conditions or as a result of planned renovations.

Venture Capital

Venture capital firms provide funding (usually in the form of equity and/or long-term convertible debt) to private companies that are unable to obtain adequate financing from traditional channels. The companies they finance are usually in the early stages of their development, and their future is considered risky. Therefore, venture capitalists demand high returns to compensate them for the risk. They also provide business planning and other services to these companies.更多精彩文章及讨论，请光临枫下论坛 rolia.net