Career Planning for Bank Tellers 1 What qualities do bank recruitment pay most attention to for college students? This is related to the position of the bank in campus recruitment. Judging from the current situation of campus recruitment, the positions of banks in campus recruitment are mainly: front desk teller or customer service position, which have a common feature: service position. So when interviewing, the following three qualities are the most important for banks:
1, compressive strength
An ordinary bank teller has to handle more than 100 transactions a day. China Industrial and Commercial Bank and other large state-owned banks receive more customers. More than 30% of these customers may be impolite and disrespectful, or even complained by customers. Therefore, as a teller or customer service staff, you must be able to withstand pressure.
2. Good at communication
Operating a lot of business every day may also have a marketing task, that is, selling the bank's wealth management products to customers. Therefore, applicants for banks must be good at communicating with others and have certain interpersonal skills.
Step 3 pay attention to the image
Banks usually judge a book by its cover, because tellers represent the image of the bank. For example, if we go to the bank to handle affairs ourselves, if the teller has a bad image and is impolite, it will also affect our recognition of this bank. Therefore, you must pay attention to your appearance when applying for a position in a bank, and you must wear formal clothes for the interview.
In addition, be polite to the interviewer during the interview. Banks are service industries and attach great importance to this.
Of course, the above three items are generally concerned about the characteristics of bank recruitment, and different banks will have their own priorities when recruiting. College students who want to enter the bank can directly observe the work of tellers by going to the bank to handle business, and understand the job requirements of this position more intuitively.
Job seekers will encounter all kinds of questions from recruiters during the interview? Among them, the issue of career planning has been paid more and more attention by enterprise HR. Many clients who came to Xiangyang for career consultation recently reported that they were often asked by interviewers how to plan their career during job interviews. What kind of answer will be appreciated by HR?
When HR asked: Why did you choose to come to our company? What is your career plan for the next five years?
Methods and strategies:
Behind this problem is the job seeker's understanding of job hunting motivation and his long-term career development. At this point, the information to be passed to HR is:
1, you are prepared, because you have a career plan for yourself, so your job search and resume are the result of some thinking, not the result of blindly investing in Shanghai.
2. Show your advantages and show that you are the best candidate for this job.
3. You have a good career plan and clearly know the plans and plans for the next three to five years, which shows that you are a stable employee who meets the requirements of the enterprise.
Answer:
I hope that from now on, I can settle down in the position I applied for in five years. Through continuous efforts, I'd better be promoted several times. I hope I can become a training assistant, a training supervisor, a training manager and even an excellent training expert in the industry. In the next five years, I hope to find a company that is willing to invest in each other for a period of time, whether it is upward promotion or horizontal transfer within the enterprise. I hope my joining will bring greater commercial value to the company, and I also hope to further enhance my professional ability on the platform of the enterprise.
Effect and analysis:
Sincere expression and clear positioning of yourself make HR feel that you are the best candidate for training assistant, and at the same time fully show that she is very clear about her career positioning and development path, which will make you stand out from many applicants and successfully get this offer.
Career planning for bank tellers 2 In recent years, bank posts have been a hot spot for graduates to apply for jobs. High salary, good welfare, decent work and high social status. It is out of the pursuit of graduates that graduates enter banks, usually starting from the most basic bank tellers.
But before entering this industry, have you ever thought about whether you are suitable for this industry? Can it develop?
SWOT analysis method is used to analyze your strengths and weaknesses.
Before making a career plan, you should first make an in-depth analysis of yourself. SWOT analysis is a practical tool. S stands for advantage, W stands for disadvantage, O stands for opportunity and T stands for threat. The specific method can be as follows: draw a line in the middle of a piece of paper, and list your strengths and weaknesses on both sides, including your personality, skills, learning experience and so on. The more detailed the better, in order of importance. In addition, in terms of shortcomings, you should also think about whether these shortcomings can not be improved and what can be made up by efforts.
So you can have a more comprehensive understanding of your strengths and weaknesses. When choosing a career and development direction, try to choose your own advantageous direction.
Conduct industry analysis and career research
According to their own advantages and disadvantages, compare the characteristics required by their chosen industries and occupations to see if they are consistent. If it is consistent, congratulations, don't worry, you can go on the road of your choice. If you don't match, your career path may be very difficult. I suggest you consider changing your profession or occupation. Of course, it all depends on your decision.
A bank teller is a bank employee who is in direct contact with customers at the counter of a bank branch. He has to handle various businesses such as deposit and withdrawal, transfer, inquiry, reconciliation and settlement. And the workload is large, and there is no room for any mistakes. Therefore, bank tellers need to have the following abilities:
First of all, we must have strong learning ability.
At present, most branches of banks implement the comprehensive teller system, and each bank does multiple businesses. Bank tellers need to learn a lot of knowledge and skills used in their posts. In addition, banks are constantly introducing new businesses and removing old ones. Only with strong learning ability can they quickly master new financial products and learn how to handle business for customers skillfully and quickly without affecting work efficiency.
Secondly, communication and expression.
In recent years, with the intensification of competition among banks, many banks advocate the concept of all-staff marketing. While handling business for customers, front desk tellers should actively communicate with customers, understand their needs, establish good customer relationships, and introduce banking products to customers in a timely and reasonable manner.
Third, service consciousness.
Banks are a typical service industry, and bank tellers have to contact hundreds of customers every day to handle various businesses, which is quite stressful. In addition, due to the professionalism of banking business, many customers don't know much about it, so customers often have some irrational words and deeds. At this time, bank tellers still have to smile, patiently explain problems to customers and provide solutions, which requires a good attitude and first-class service awareness.
Moreover, the working speed and accuracy.
In order to reduce the phenomenon of bank queuing, it is very important to improve the work efficiency of each teller. The work of bank tellers is particularly operational, and they need to handle business quickly in a short time to avoid process errors.
To sum up, the basic qualities a bank teller needs are: strong learning ability, good communication and expression skills, service awareness, ability to solve problems quickly, accurate business solution, hard work and strong ability to withstand pressure ... If you can do all the above conditions, it proves that you are suitable for the post of bank teller.
After joining the company, banks usually have an internship period of six months to one year. After the internship, you gradually adapt to the busy work of bank tellers. What about a few years later? This requires detailed career planning to guide.
After fully understanding your strengths and weaknesses, as well as the development prospects and requirements of the industry and occupation, the next step is to determine your career goals according to your personal situation.
Determine career goals:
Generally speaking, bank tellers have two development directions: specialty and management.
The so-called professional category is the development model of "teller-financial planner-senior financial planner-third-party financial company-setting up financial management studio", and the management category naturally develops in the direction of bank executives.
Develop an action plan:
It is not enough to set career goals, but also to have specific action plans to support it, so that it is possible to achieve your goals step by step. The following is a feasible action plan for career development.
The first step: based on the existing position, use spare time to learn financial management knowledge and further clarify career goals.
Step 2: Learn to charge fees and get an industry-recognized financial planner certificate by the end of next year at the latest.
Step 3: Accumulate communication skills and skills to get along with customers, and accumulate professional knowledge related to financial markets. If you have the conditions, take more training courses in the School of Finance and Management. Through the existing resources of the bank, carry out internal job exchanges and engage in related work of financial planners.
Step 4: Accumulate work experience and professional skill level in 2-3 years. With the help of the banking platform, we will accumulate our own customer resources and network resources and move towards the direction of senior financial planners.
Step 5: Join a third-party financial institution in the next 3-5 years. At present, the financial market has begun to be subdivided, and there will be more and more third-party financial institutions in the future.
Part VI: After accumulating rich experience in financial management, if conditions permit and you have a strong desire to start a business, you can consider opening your own financial management studio to become an expert and satisfy your desire to work freely.
The third part of career planning for bank tellers: The financial industry is a hot industry in 2 1 century. In order to adapt to the development of society and be a useful person to society, I chose my favorite financial major. And after graduation, I have been working hard for my ideal. To this end, I have made the following model essay on the career planning of finance majors, and I will move towards my planned goal.
First, the employment destination of financial graduates
Judging from the employment situation in recent years, there are usually several trends in finance graduation:
1. Commercial banks, including the four major banks and joint-stock companies, domestic branches of city commercial banks and foreign banks.
2. Securities companies, including fund management companies; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange.
3 trust and investment companies, financial investment holding companies, investment consulting companies and large enterprise finance companies.
4. Financial holding group, four asset management companies, financial leasing and guarantee companies.
5. Insurance companies and insurance brokerage companies.
6. The Central Committee (People's Bank of China), the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission are financial regulatory agencies.
7. Policy banks such as China Development Bank and China Agricultural Development Bank.
8. The social security fund management center or social security bureau is generally the insurance direction.
9 government administrative agencies in the sequence of national civil servants, such as finance, auditing, customs and other departments; Teachers majoring in finance in colleges and universities; Institute researcher
10. securities department, finance department, securities affairs representative, secretariat of the board of directors, etc. Listed (to be listed) joint-stock companies.
Second, hot jobs related to the financial industry.
1, bank account manager
Requirements: Financial background, marketing experience, strong market analysis and development ability, strong adaptability and affinity, proficient in foreign languages.
Entrance threshold: bachelor's degree certificate, English grade certificate, FECT is better.
Salary level: flexible, closely linked to deposit performance, ranging from the same as ordinary bank employees to tens of thousands of yuan per month.
Career prospects: foreign banks are eyeing, and financial institutions such as insurance, securities and trust have also robbed some of the money in the hands of residents. How banks in China develop and stabilize depositors is very crucial. In this case, the importance of account managers has gradually emerged, and many state-owned commercial banks recruit 50 or hundreds of people at every turn. If you do well, you can enjoy the president's treatment, which is the same as the president's salary coefficient.
2. International salesman of the bank
Requirements: Familiar with national financial and foreign exchange management policies and systems, understand banking business and its functions, master the management regulations, relevant international rules and operating procedures of international banking and credit business, and be familiar with international accounting system. Honest and clean, can keep secrets.
Entry threshold: Bachelor degree, CET-6 or above.
Salary level: the annual salary is 65438+10,000 yuan.
Career prospects: With the rapid development of international business of major banks, the demand for such talents is increasing. An international salesman who has international business and overseas related work experience and is familiar with the China market can earn up to 250,000 yuan a year.
3. Head of bank risk management
Job Requirements: Strong logical and data analysis skills, familiar with credit policies, with more than 5 years working experience in securities, insurance, trust, etc.
Entry threshold: bachelor degree or above, CET-6 or above.
Salary level: the annual salary is about 6,543,800 yuan.
Career prospects: Risk management is the core of bank operation and management, and it is a risk control based on rich business data and scientific management mode. China's commercial banks are in the transition stage from risk control to risk management, and they need to attract talents in this field with competitive salaries.
4. Securities analyst
Requirements: Familiar with the securities industry, with solid knowledge of securities theory and rich practical experience, high economic theory literacy and research level, able to conduct industry research.
Entry threshold: bachelor degree, qualification certificate for securities practitioners.
Salary level: annual salary10-500,000 yuan.
Career prospects: The huge investment group of 70 million investors in China provides a solid foundation for the development of securities analysts. They can not only guide individual clients to invest in securities, but also serve as commentators or contributing writers in newspapers, television and radio. With the increase of securities varieties, securities analysts will have more room to use and their income will gradually increase.
5. Insurance broker
Requirements: Proficient in non-life insurance, life insurance, reinsurance and risk management, with legal, financial, financial and statistical knowledge, rich practical experience in risk management and insurance, and good public relations coordination ability.
Entry threshold: insurance broker qualification examination certificate.
Salary level: The annual salary of insurance brokers with a certain customer base and popularity is between 1.5-0.5 million yuan.
Career prospects: The insurance broker market in China only started in 20xx. At present, the number of employees is 65,438+00,000, and it is expected to increase to 200,000-300,000 in five years, reaching 65,438+00. In Europe and America, the average annual salary of insurance brokers is $300,000. In contrast, there is still much room for growth in the remuneration of China's securities firms.