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CEP Job Research Assistant Credit analyst/ Credit officer Group 6.

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Presentation on theme: "CEP Job Research Assistant Credit analyst/ Credit officer Group 6."— Presentation transcript:

1 CEP Job Research Assistant Credit analyst/ Credit officer Group 6

2 Assess loan requests or commercial credit applications through interview with applicants and checking applications forms, references, pay slips, and other information Conduct financial analysis and prepare credit report for credit approval Analyze credit information, evaluate degree of risk and make recommendations on bank loans Job Nature

3 Monitor account performance and follow up on overdue accounts Answer enquiries concerning loan balances or commercial accounts and credit standing of customers Prepare papers setting out conditions and periods of loans and rates of repayment Prepare reports of loans and accounts which have ‘outstanding’(unpaid) amounts Job Nature

4 Assist in promoting financial services to customers Collect data for credit analysis Job Nature

5 Basic Skills Interpersonal skills Analytical skill and problem solving skills Verbal and written communication skills Proficient in PC applications (Word, Excel) Independent, mature and with high initiative

6 Basic Skills Able to work under pressure Ability to process detailed information with accuracy and efficiency Good team player

7 Specific Skills Degree holder in finance, accounting, statistics or related disciplines Minimum 1-2 years’ experience in the banking industry Proficient in using various analysis software: Excel, Access, SAS and SPSS Sound knowledge in banking products Knowledge of accounting principles for financial analysis

8 Career Path Credit Manager ↑ Assistant Credit Manager ↑ Credit Analyst/ Credit Officer ↑ Assistant Credit Analyst/ Credit Officer

9 Expected Salary Salaries varies based on experiences

10 CEP Job Research Financial Planners/ Financial Consultants/ Financial Advisor Group 6

11 Definition Financial Planner is personal investment adviser who generally works one-on-one with people who feel more comfortable when someone else helps manage their cash; whether it be in the millions or the hundreds.

12 Why do this job become popular? With the launch of Mandatory Provident Fund, the promotion of the Tracker Fund and the Medical Scheme revolution, Hong Kong people have become more conscious of the proper way to manage their own money. It is believed that when the popularity and recognition of Professional as well as personal financial advice and service have built up, citizens of Hong Kong will increase interest and confidence in Financial Planning. In addition, the financial trend of Hong Kong always follows well-developed western countries, we expect that financial planning will be a most promising career in the future.

13 General Job Nature Step 1 Gathering client's financial data, including details on income, debt levels, financial commitment and so on. Step 2 Identifying the clients' goals. These may include short-term goals, or buying a house, funding education, travel etc. to meet clients’ financial and personal values and attitudes. Step 3 Identifying the problems that may prevent them from attaining their financial goals.

14 General Job Nature Step 4 Preparing a written financial plan that identifies recommended investments reflecting the client's attitude to risk. Step 5 Implementing the agreed financial plan. Step 6 Reviewing and revising the plan to ensure it stays up-to-date and relevant to the economic climate and the client's changing lifestyle.

15 Requirement For Applicants Higher Diploma or University Degree in any discipline (Major in Finance, Business, Account, Economics, Social Work is preferred.) or mature candidate with business experience. Good interpersonal, communication and presentation skills, strong connection network. Aggressive, passionate, industrious, self-driven, energetic, career-minded and sales-oriented with a strong desire to succeed. Mature, outgoing personality, work independently with innovate mindset and an entrepreneur mind for a career. Self confident, initiative, proactive, ambitious, dynamic and high caliber.

16 Requirement For Applicants Willing to study continuously and work under pressure. Good command of both written and spoken English and Chinese (including Cantonese). Dare to take challenges to develop yourself with a prosperous lifetime career and business. Have at least 2 years' working experience preferred. Experience in bancassurance, sales and marketing would be an advantage.

17 Career Path

18 Reasonable Salary Special Bonus Package for Bank & Finance Front Line Staff Real Monthly Allowance ($10,000 - $30,000) + Commission + Bonus Real Monthly Allowance ($6,000 - $8,000) + Commission + Bonus (For Fresh Graduates) High Commission + Bonus (No Monthly Allowance)

19 The End

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