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1. Bank tellers.
There are two types of bank tellers: one is the front desk teller and the other is the back office teller. The front desk teller is mainly to receive customers and handle the corresponding business, and the back office teller is more in the back to review some bank bills.
Meticulousness is the basic requirement of bank work, and it is especially important for tellers.
2. Customer marketing.
The main job content of this position is to pull customers. It is necessary to be good at tapping potential customers, have strong communication skills and marketing skills, which can not only meet the needs of customers, provide them with tangible value, but also enable the bank to obtain operating profits and maintain normal operations.
3. Product support.
The main position of product support is to analyze some needs of customers, and develop products to meet market demand according to needs, so as to seize customer resources for banks. Product support positions are generally more demanding. Good analytical skills and understanding of financial products are required.
Students with similar majors such as finance are more suitable for this kind of position.
4. Risk control.
Risk control positions are mainly for the prevention and control of customer credit risk, operational risk, etc. At the same time, it is also necessary to monitor relevant risk indicators to improve the bank's own ability to resist risks. At present, major domestic banks have a relatively large demand for risk control positions.
5. Information technology.
In addition to maintaining the stability of the banking system, many IT jobs also require the development and testing of new application software, such as bank mobile apps or clients. Information technology positions have high requirements for the level of computer majors, and require strong development and innovation capabilities.
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For security reasons, the division of labor in banks is very detailed, and some positions may be boring.
If you want to put more pressure on yourself, I think the account manager of the company's business is a more interesting position, generally dealing with customers, absorbing company deposits, lending loans, there will be tasks, but if you can complete it, there will definitely be rewards. There is also the bond business, which does bond investment, derivatives, and manages assets other than bank loans (but generally only the head office has such positions); or foreign exchange capital business, do lending, foreign exchange trading business, and manage bank liquidity (similar positions will also be set up in branches).
It is recommended not to go to the counter to work, where there is a single job, there are many female colleagues, there are many rich customers, everyone wants to be Cinderella, and after a long time, everyone has become very philistine.
Our bank's approach is:
You can either hand your resume directly to the department you want to go to, or you can hand it to HR).
Hand it to the personnel department, there will be different departments to pick there, and whoever picks your resume first is more likely to go to that department. If the department thinks that you are not suitable for their job, they will also put your resume in the personnel department for selection. Sometimes, a person is favored by the personnel department, but other departments do not take a fancy to it, and may stay in the personnel department for a period of time before being reassigned.
The bank will take into account your own wishes and their evaluation of you before assigning you a department.
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The main positions in the bank are:
1. Comprehensive teller position. Their main job responsibilities are to handle some basic business such as deposits and withdrawals for customers, and their work is relatively simple, repetitive, and less stressful, so many tellers are girls. As a position that basically every banker will experience, the number of people in demand for recruitment every year is also the largest.
2. Account manager position. It is divided into wealth management managers and loan managers, wealth management account managers are mainly responsible for sales, wealth management and other products, while loan account managers are mainly responsible for loan matters, such as mortgage loans, corporate loans, business loans, etc.
3. Information technology positions. Engaged in software development, data analysis, network and IT professional system operation and maintenance.
1. In order to protect the legitimate rights and interests of depositors and their families, it is recommended that the regulatory authorities issue regulations requiring commercial banks to establish a savings deposit statement system. For depositors whose deposit balance in commercial banks reaches a certain amount, their opening banks shall send deposit statements on a regular basis.
For example, demand deposits will be sent once a year, fixed deposits that have not yet matured will not be sent, and customers who have not withdrawn them after maturity will be sent once a year.
2. In order to save costs, paper statements can be sent through SMS, WeChat, e-mail, etc. Taking into account the possibility of accidental death or incapacity of the depositor, the commercial bank may also be required to send the statement to other contact persons designated by the depositor each time it sends a statement to the depositor with the consent of the depositor.
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The positions of general banks include: president and vice president, chairman and deputy general manager of each department, and team leader; Chief auditor, chief economist, and some banks also have chief accountant and chief engineer. These are official positions.
There are also business positions, such as tellers (handling, reviewing, etc.), account managers, product managers, technical managers (generally computer personnel), audit managers, risk managers, internal control managers, fund managers, etc., as well as assistants to these managers, as well as corresponding senior managers.
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The most difficult jobs in the bank are as follows:
First place: Account managerAccount manager is basically the majority of teller transfers. Not only do you need to have strong customer resources and social skills, but you also need to be familiar with the operating procedures of various businesses, and you must be able to accurately judge the risk points of credit, and the performance pressure is relatively high.
The salary of the competent person is higher than that of the branch president, and the day that he can't work can't stay.
Second place: The teller post is basically a novice village of the bank, and the vast majority of fresh graduates must go through a process to enter the bank. The work of tellers is relatively monotonous, and there are strict requirements for clothing, speech and business regulations.
It also needs to bear a certain amount of performance pressure, but it is very useful for being familiar with all the business processes of the bank, and it is very helpful for subsequent job transfers.
Third place: Lobby manager The lobby manager is the person who enters the bank to take you to handle business, which is basically a walking teller. If the amount is large, it is indeed more tired.
But fortunately, now all kinds of intelligent equipment are placed, which also reduces the burden of many lobby managers. But whether the local lobby manager is easy or not depends on the quality of the local residents, after all, the uncle and aunt are really bad at making trouble.
No. 4: Product ManagerThe product manager of a bank is actually the person in charge of a product. When you're in charge of a product, it's important to be very familiar with it.
After that, it is necessary to connect with the sales and customer fan bucket manager and the marketing department to formulate specific sales, functions and responsible part of the sales, and the work is also relatively busy. But compared with product managers in other industries, it is still much easier, at least they don't have to memorize performance.
Fifth place: risk control postThe risk control post actually belongs to the risk management department. Including credit review posts, credit approval posts, lending posts, and underwriting posts.
However, many banks wear many hats, so they are relatively tired. However, this position belongs to the core position of the bank, and the credit business of the whole bank must be contacted. For self-improvement is very big, so the competition is very fierce.
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