The profession of a financier: the right choice is the key to confidence in the future. Profession financier. The financier is one of the most prestigious professions of our time. specialists in this field of activity are quite highly valued

Finance is one of critical aspects human activity, and this applies to both individuals and all kinds of organizations, companies and enterprises. Proper management and disposal of financial resources requires certain knowledge, skills and experience that representatives of the financier profession possess. So, the specialty is a financier: what kind of profession is this, and where do you need to study to become a professional in this field?

What faculties and specialties to choose for training?

The profession of a financier implies a higher economic or specialized education. Synergy University offers applicants training at the faculties of economics and banking in the following specialties:

finance and credit;
banking;
accounting, analysis and audit;
general economy.

Students gain knowledge in the field of financial analytics, forecasting and planning, taxation and lending, study international financial system and its features. You can apply the acquired skills from the very first year - the university cooperates with large domestic banks and companies that guarantee employment and career growth for future financiers.

To obtain a diploma with a bachelor's degree, you must present a school certificate and pass exams in mathematics, social studies and the Russian language, the training period is from 4 to 4.5 years. To learn the basics financial planning applicants can go to college after the 9th or 11th grade, and to deepen their knowledge they can get a master's degree.

Apply for training

Training for a financier as a second higher education

If we talk about what the profession of a financier gives a person, the advantages of working in this area are not only prestige or decent pay, but also financial literacy, which is necessary to achieve a high level of well-being. Accordingly, many entrepreneurs, businessmen and those who simply want to gain new knowledge in the field of money management choose the specialty of a financier as a second higher education. To study at the Faculty of Economics of the Synergy University, you need to write an application to the admission committee, present documents on the first education and pass internal exams. The duration of the educational program is from 2.5 to 3 years.

List of job responsibilities and necessary personal qualities

The duties of a specialist may vary depending on the place of work, but mainly include the following:

development of a strategy to increase capital using different tools;
reducing company costs and minimizing financial risks;
analysis of the economic activity of the company;
increasing the efficiency of its use of financial resources;
financial transactions, budget reporting.

Working as a financier is suitable for responsible people with analytical warehouse minds who can make quick decisions and concentrate on specific tasks. An important role is played by such personal qualities like stress resistance, purposefulness and self-confidence.

The relevance of the profession and the demand for personnel in Russia

Management of gigantic financial flows. Decent salary at the start of a career. The opportunity to share the laurels of Warren Buffett, Peter Lynch, George Soros, and maybe leave these meters far behind.

The profession of a financier offers young people de facto unlimited prospects for material and personal growth. She is fraught with a lot of risks and dangers of being a loser, unclaimed and forgotten. The best reach the top and make the history of the world economy. The worst are content with a salary of 15,000 rubles somewhere on the periphery. Who is a financier, what to expect from this profession and what skills to develop? Let's figure it out.

Who is a financier

A financier is a legitimate specialist who conducts large monetary transactions. This may be lending, investment, financial flow management. The field of activity may also include the introduction of new goods and banking products, brokerage services, advertising.

A financier is neither an economist nor an accountant. However, the professional skills of these two specialties are vital for conducting successful activities.

In 2008, Forbes ranked the richest financiers on the planet and found that only 20 people earned over $515 million in a year. The names of legendary specialists have forever entered the history of the stock and venture markets, as well as the banking sector and the economy as a whole. Mutual fund manager Peter Lynch, multibillionaire Warren Buffett, who increased the assets of Vanguard Windsor and Gemini by 5,600% over the years John Neff - everyone who is connected with the economy and investments remembers them.

What should know

The position assumes the presence of higher education, which the young specialist must reinforce with practical skills and personal qualities. He must know how to manage capital for maximum benefit. Must be aware of the state of the economy, be able to quickly assess the prospects of projects and the competitiveness of products. In his competence and analysis of the state of the advertising market, which continues to be a key engine of trade. The best specializations for study are finance and economics.

Russian Academy National economy and public service.
High School of Economics.
Moscow State Institute of International Relations.
Plekhanov Russian University of Economics.
Financial University under the Government of the Russian Federation.

The success of a financier is based on constant self-development and training. This position does not belong to the category of specialties for which you are 100% ready after graduation. You will be taught how to assess the condition of funds, but they will not tell you what to do if they collapse. You will be aware of the criteria for the prospects of projects, but will not learn to see the nuances in them. You must be prepared to make decisions in which a priori you will risk huge capital.

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Professional qualities of a financier

A specialist in this industry can deal with investments, budget allocation, insurance, new product introductions, international financial transactions and other sectors of the economy. The list of professional skills depends on the market segment in which you plan to work. But the basic qualities are the same for all financiers:

detailed knowledge of the market and the state of the economy;
the ability to assess the prospects of projects;
knowledge of investment technologies and the state of stock markets;
detailed understanding of the banking segment;
the ability to ensure the competitiveness of products.

The mathematical mindset forms the basis of the professional activity of a specialist. He always bears a colossal burden of responsibility. Not everyone is able to withstand it.

No less important are personal qualities - an analytical mindset, the ability to accept independent decisions, resistance to stress, purposefulness and attentiveness.

Where can work

Wherever there is money, even if it is in intangible form ( banking products, securities, intellectual property, and so on). The specialist manages financial flows, which means that his services are indispensable even for small and medium-sized businesses. Often financiers act as advisers, helping businessmen and individuals manage your capital wisely.

TOP-5 most popular places of work:

Banks.
Private companies and enterprises.
Investment funds.
Stock exchanges.
Securities markets.

Jobs for financiers are provided by 90% of companies operating in completely different market segments. The services of a specialist are in demand wherever competent financial transactions are required with a focus on making a profit and obtaining other benefits. However, the remuneration of a professional will depend on the company or organization in which he will work. You should not expect that a small provincial enterprise with low trade turnover will be able to provide a multi-million dollar salary.

financier salary

The amount of remuneration for a specialist is determined by the market. Practice shows that investors, representatives of the banking sector and brokers earn the most. A lot will depend on experience, qualifications and personal history - one bad deal can put an end to your career. But a well-finished investment (for example) can create a big name for you already in the first years of your professional activity.

How much does a financier receive in different regions of Russia (average salaries):

Moscow - 70,000 rubles;
Moscow region - 55,000 rubles;
Leningrad region - 43,300 rubles;
Kirov region - 40,000 rubles;
Pskov region - 50,000 rubles.

It is obvious that this average temperature in the hospital." The salary of successful financiers, according to research, exceeds 1 million rubles a month, and it is even higher abroad. But professionals from the periphery are forced to be content salary at 15-20 thousand rubles.

It is important for a financier to make a career, to be able to take right decisions and keep moving forward. Looking for a position in which you will write formal financial reports, "serving out" the time, means burying your own professional growth.

Pros and cons of the profession of a financier

pros. First of all, it is the high wages of professionals. This specialty is in demand, every financier has prospects for building a brilliant career. Obviously it makes no sense to seek happiness in small towns– you must be located in large regional centers, be where large financial flows rotate. Only then will you get a chance to be successful.

Another advantage is interesting, respectable work. Money management is really interesting, although risky. You can go down in history by significantly increasing the capitalization of the company. You can make a deal or implement a project that will change the lives of thousands of people for the better. And believe me, employers are ready to pay fabulous money for the ability to increase capital. But only if this work is really within your power.

It is impossible not to mention limitations. First of all, this high risks. Each unsuccessful transaction is a fat minus in your professional portfolio. You are always risking large sums of money - this is an integral part of the activity of any specialist in the industry.

Success cannot be achieved without risk. It will come only if you learn how to do everything right and on time, gain professional flair and your own vision of the market.

Another disadvantage is the lack of clear instructions. The profession of a financier cannot be learned 100%. Constant self-development and self-education is required. Professional flair is required. It is worth understanding that you will always compete with other financiers who have the same theoretical background and want to leave you with nothing by first making a good deal or securing a profitable investment. Your job is to constantly be better. And if you succeed, then you will go down not only in the history of your own company, but also in the history of the global economy.

Financier

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The financier is responsible for preparing the company for interaction with investors, credit institutions and financial advisors. Makes decisions on the allocation of funds, obtaining loans, budget planning. Draws up draft budgets of different levels, estimates of income and expenses of budgetary organizations, monitors and ensures their implementation.

Conducts strategic and current financial analysis of the effectiveness of the company's operations for individual structural divisions and in general. Forms schemes of financial flows in the company. Carries out financial and banking control over the turnover of funds, ensuring the financial stability of the enterprise. Current control over conducting operations with budgetary funds of the main managers and recipients of budgetary funds.

Analyzes the state of financial and economic activity enterprises. Participates in the development of investment programs, determining the directions of spending funds, providing current financing.

Must know

Legislative acts, resolutions, orders, orders, methodological and regulations on the organization of financial flows and reporting;

Forms and methods of financial management, planning and correspondence of accounts;

Organization of document flow;

The procedure for documenting and reflecting on accounts accounting operations related to the movement of fixed assets, inventory and cash;

Methods economic analysis economic and financial activities of the enterprise;

Rules for the operation of computer technology;

Economy;

Market methods of managing.

Also, the financier must have good training in mathematics, fundamentals of informatics and electronic computing, statistics, finance, management, money circulation.

Professionally important qualities

logical and analytical thinking
good mathematical ability
ability to think globally
well developed memory
the ability to express one's thoughts
strategic thinking
the ability to predict the end result
pedantry
ability to plan work time
prudence
sociability
stress resistance
skill to work in team

Medical contraindications

Nervous and mental diseases, visual defects. The profession of a financier is not recommended for people with cardiovascular and other chronic diseases, reducing working capacity, poor eyesight, serious mental illnesses due to the danger of progression of these diseases during the period of increased labor intensity.

Related professions (specialties)

For most people, the phrase "financial profession" is associated primarily with prestige and well-being. And only a small amount adds that it is also unrest and nervous breakdowns. However, only a person who is not afraid of difficulties can be a financier. Every year, the labor market is replenished with several hundred young specialists in the financial and credit sector. How they get employed and how they work will be described in this article.

What does a financier do

The work of a financier in a bank can consist, as a maximum, in the complete management of clients: starting with their search, getting acquainted with the services provided by the bank, clarifying the fundamental needs of clients, accepting orders, conducting financial analysis, issuing a loan and accompanying the client until the final settlement with the bank.

That is, a person who wants to get a loan communicates with a financier, who in some banks are called loan specialists, from the moment they arrive at the bank until the settlement is completed. The lending system in modern banks, as a rule, is focused on personal communication with each visitor. Therefore, loan officers know well all their clients' visitors.

How financiers work in banks

The financier's work schedule can be anything: it all depends on the bank's work schedule, for example, officially it can be from 9 to 18 hours, but sometimes you have to do overtime. Most often, people working as a financier agree to work overtime quite consciously and voluntarily, because they understand that hard work is the key to success in business. Of course, when a benevolent atmosphere reigns in the bank's team, and you feel comfortable at work, you don't feel tired, and inspiration appears, which affects the results of work.

At the word "bank" there are associations with a huge house with severe protection and impregnable workers. Does this correspond to reality?

Any team is, first of all, people on whom the psychological climate depends. In banks, employees seem to be too vigilant, this is because they need to adhere to safety rules. A strict look is a must. But in other respects, the modern commercial bank is an institution that lives a hectic life. Most of them are a relatively young team with healthy ambitions, in such a team you want to work conscientiously and grow.

Having chosen the profession of a bank financier, a loan officer, what you value most in your clients and in people in general is the ability to earn money on your own, especially if it is connected with the creation of a new one, for example, development and production: this benefits not only the bank, but also many others .

A professional financier should be interested in almost everything - he has diverse interests. Since the profession of a financier works with lending, in particular small and medium-sized businesses, such a specialist has the opportunity to analyze the information and understand which companies are successful and which cannot get out of problems

How to get a job as a financier

To work in your chosen specialty, do it, try to get into the bank you are interested in while still studying at the Faculty of Banking. For example, you can try to get there for an internship. After successfully passing it, you can be hired as an intern, usually for a certain duration probationary period. If a person proves himself from the best side, he remains to work. In some financial and credit institutions, although a person is only an intern, while simultaneously studying at a university, he is gradually entrusted with performing work in in full: customer acquisition, development client base, issuance of loans. All this is experience.

Remember: if you long time can't find Good work in the field of finance, there can be two reasons: either you have a specialization that absolutely does not meet the needs of the market, so it is better to change it, or you are simply looking in the wrong place.

Be active job seekers, don't wait for a job to find you, search actively. Try to make yourself known as early as possible: if you are a student, start working on your destiny already in 4-5 courses: find an institution where you would like to work. Then make an effort to get there for an internship, convince management of your determination to get a job with them, show your professional and personal qualities to the best of your ability.

You may have to give up rest, for example, work during the holidays. In the summer, when all your friends will bask on the sunny coasts of the sea, you better look for a job. As a result, you can say - now I have a job as a financier!

The financier is one of the most prestigious professions of our time. Specialists in this field of activity are quite highly valued, subject to their high qualifications. This is not surprising, since the goal of any commercial organization or enterprise is to increase capital. This is exactly what financiers do.

Story

If we talk about the history of the emergence of the profession, then earlier all people who could increase their capital were called financiers. The ability to handle money is an important skill that helped to significantly increase the quality of life. In Russia, the profession appeared relatively recently. Previously, companies and enterprises were managed by economists and accountants. Now, adopting foreign experience, the owners and managers commercial organizations, appreciated the importance of financiers. After all, these specialists in the conditions of tough competition in the market help to maintain a leading position, develop effective ways capital increase.

Description

The word "financier" is of French origin and means "experienced in finance." A person in this field of activity is engaged in various financial transactions. Financiers can get a job in various organizations. These include investment funds and financial companies, economic and financial services, banks and stock exchanges, government bodies federal, regional and municipal levels.

Financiers can choose certain financial areas for work: fiscal, regulatory, methodological, foreign economic, insurance, investment, etc. The duties of financiers include: drawing up financial estimates and reports, conducting exchange transactions and taxation, conducting various trading operations, analyzing financial documents.

What specialties to study?

If you want to become a good financier, then you should get higher education. In this case, you will need to decide on a future specialty. So, you can opt for the following specialties:

Economy
Finance and Credit (Master's)

What you have to do at work and specialization

As we said above, financiers can tie their professional activity with several directions: investment, insurance, fiscal, foreign economic, etc. Depending on the field of activity, the duties of specialists will be determined. If you decide to work in the field of investment, then in this case you will need to look for ways to profitably invest money in order to increase the capital of a company or enterprise. Each employer has its own requirements for specialists. However, they all have one thing in common - the need for a diploma of higher education and high level knowledge, perseverance in achieving goals.

Who is suitable for this profession

People who have good knowledge of mathematical disciplines have every chance to become a successful financier. These people must have an analytical mindset, a good memory, and the ability to analyze the information received. Good financiers know how to concentrate on the tasks at hand. In this field of activity, perseverance and stress resistance are important. In addition, it is important to have high performance, the desire to achieve goals.

Demand

The profession of a financier is currently quite in high demand. If you get a diploma, then you have every chance to get a good job. Financiers are needed in various state and non-state organizations: banks and stock exchanges, investment funds, economic and financial services. That is, you can get a job in any organization that seeks to improve the level of its activities. A financier is the specialist who will take on the responsibility of finding ways to increase capital.

How much do people working in this profession earn?

The salary of financiers depends on several factors: territorial affiliation, the level of the company or enterprise, the experience and knowledge of the specialist himself. If you possess profound knowledge in the field of finance and has work experience, then you have every chance of getting a big salary. Financiers can receive more than one hundred thousand rubles. Of course, at the initial stages, wages will be much less.

Is it easy to get a job and how is a career usually built

Financiers do not experience great difficulties in finding employment. However, after graduating from high school educational institution, you need to tune in to the fact that you won’t be able to earn big money right away. You need to start from the smallest. It is important to try to prove yourself with the best side to show perseverance and initiative. Prove that you good specialist and strive to develop. In this case, a successful career will be guaranteed to you.

Prospects for the profession

Will the profession of a financier lose its relevance? No. Any self-respecting organization that seeks to increase its capital and conduct successful activities needs the services of a specialist in this field of activity. So if you get a higher education and have good knowledge, then you definitely won’t be left without a job.