Which position in the bank is good?

Question 1: What positions and positions does the bank have? The division of labor in a bank is very complicated, but no matter what bank or how it is divided, the premise will not change. Mainly divided into several large pieces:

Front desk (business, customer service, capital market transactions)

Intermediate Station (Risk Control Department)

Backstage (Business Operation Department)

Basic business departments (administration, personnel, general affairs, it, etc. )

Question 2: What is a good position in a bank? The Bank's positions can be mainly divided into the following categories:

1. Business post: handling, cashier, audit and authorization (team leader).

2. Corporate affairs: corporate affairs handling, auditing and comprehensive management (authorization or team leader). Lobby consulting, lobby manager, financial manager, audit manager, risk manager, internal control manager, fund manager, etc.

3. Loan cancellation: business assistant, manager assistant, assistant manager and account manager;

4. Office: administrative assistant and manager assistant; For business supervision departments and business management departments, most of them are business assistants and business managers.

5. Above the section chief: directors and deputy directors of all departments and offices.

6. Division level: vice president, president, branch manager (at the same level as the branch president), president and head office president.

Positions suitable for fresh graduates:

1. Front-line positions: teller, settlement, customer service, etc. Mainly engaged in repetitive work, with low difficulty but high intensity, low salary and stability. Suitable for children's shoes that like simple and stable work.

2. Backstage positions: finance, compliance, loan review, law, operation, science and technology and other related positions. , need some relevant professional knowledge, have certain difficulty, and the salary is slightly higher and more stable than the previous position. Suitable for children's shoes that have learned this knowledge.

3. Marketization positions: account manager, financial manager, lobby manager and product manager. Direct contact with customers, head indicators, wages and performance directly linked, very challenging. This kind of work is suitable for hard children's shoes.

Question 3: What are the occupations in the banking industry? All offices of the Head Office, all groups, departments and teams of branches, and branch account managers, branch tellers, account managers and lobby managers. And say the same thing.

Head office processing: There are more opportunities to communicate with senior management, of course, there are more materials to write and more opportunities for promotion. Some departments (such as the financial market department) can participate in the promotion, improvement and development of products to the maximum extent, and have more opportunities to integrate their own ideas and ideas into products (such as process reengineering, confirmation of collateral scope, and development of various "non-standard" products). It's normal to make a watch, and the contact business is complex, cutting-edge, large in quantity, wide in vision (national or even global vision) and high in height. It is easy to become an expert, and there is no external marketing pressure at all. But it's easy to engage in a major for a long time ... the knowledge is easy to narrow, especially those who go to the head office as soon as they graduate ... I hope there will be no such people in the future, and if there are, don't be met by me!

Branch handling: it has a certain regional perspective, and the contact business is diverse and the amount is different. It is normal to make a statement, and there is some external marketing pressure. The external marketing pressure of companies, investment banks and other direct front-office departments is huge ... product innovation varies from bank to bank. Some tier-one branches have cash pools, while some branches have head offices. Some tier-one branches have a power of 2 billion, while others have only 200 million, which is incomparable with the head office. But one thing is certain, it can't compare with the head office. The process reengineering on the system is basically hehe.

Sub-branch account manager: The first line for banks to make money is a group of people who turn their beautiful products into profits. These people need to carry out product range marketing, and customers should take care of everything as much as possible. In many cases, account managers are divided into four categories: corporate loans, corporate loans, personal loans and personal loans. In fact, according to my understanding, customers are all the same. Anyway, customers are here, and the business of their customers' employees is also done in the way of doing companies. How nice it is to be an individual ... but it also puts forward higher requirements for account managers, who must know all kinds of products and be able to design basic financial service solutions for customers, preferably. )

Teller: It's basically a matter of code, including going to work early every day, counting money, counting vouchers, opening windows, doing business, selling insurance, selling funds, selling wealth management, etc., eating, being scolded (including myself, the president, my 18 ancestor, the president 18 ancestor), settling accounts, and paying the box. ...

Lobby manager: It's basically the same thing. Opening the door at work, various explanations (this is his bank card, you can't use it here, you have to make an appointment to withdraw money), being scolded (the content is the same as that of the teller), selling insurance, funds, managing money, and blowing water with the old lady. Great, no one will disturb the lobby for a day, register for performance and go home. ...

Let's talk about the front, middle and back offices of banks in general. Here, basically, we will talk about what each department does. As for which post does what, you can refer to the functions of the department and think for yourself.

Question 4: Which position in the bank is good? ! The organizational structure of each bank is different, which can be roughly divided into marketing department, management department and investment banking department.

The post work of the new bank:

Operating posts: teller, settlement, loan, customer service, etc. Generally speaking, it is a front-line position, mainly engaged in some repetitive work, with low difficulty but high intensity, low salary and stability.

Professional positions: financial planning, compliance, loan review, law, operation, science and technology and other middle and back-office positions. The job requires certain relevant professional knowledge, which is somewhat difficult, and the salary is slightly higher and more stable than the previous position.

Marketization positions: account manager, financial manager, lobby manager, product manager. Direct contact with customers, there are indicators on the head, wages and performance are directly linked, and the price difference can fluctuate up and down.

Question 5: Working in a bank, it's hard to say which department is more suitable for you. It depends on which department you are suitable for.

If you have the resources, you can go running.

If you don't have too many resources, just stay in the background, and the pressure is less.

When you go to the bank for an interview, you should pay attention to two points: first, you should show that your emotional intelligence is good, and others are not two.

Second, to show plasticity, future work can be started quickly.

Question 6: What are the main sales positions of banks? What is the best position in sales? The person in charge of marketing customers in a bank is usually called an account manager or a loan officer.

There are mainly the following types

1. Development company customers. Mainly for enterprises to absorb deposits and loans.

2. Develop individual customers. Mainly for individual customers, issuing cards, lending and absorbing savings deposits.

3. The wealth management manager is responsible for promoting wealth management products.

If you have rich customer resources, you will get a good income as a bank loan officer.

Question 7: Which bank is the best to work in, foreign banks are the best, small banks are better than state-owned banks, Pudong Development Bank is the best, high salary plus 8 gold, and then start a business. It depends on what position you do. It is easier for small banks to do accounting because there are fewer customers and higher wages. If you do credit, the indicators of small banks are heavier and the pressure is greater, but the wages are indeed higher than those of state-owned banks. But the treatment of banks is generally much higher than that of other industries, so it is very good for you to choose banking. I just graduated from college and work in a bank. If you are an accountant, you can become a full member in three months. If you are a credit, when will you complete the target conversion?

Question 8: What are the positions and majors of banks? Let's talk about the latest personnel reform policy of Agricultural Bank of China in detail (2007-04-1712: 35: 07).

In order to further accelerate institutional reform, adjust and optimize the organizational system of branches and institutions below, rationally allocate internal institutions and personnel of branches and institutions below, realize a reasonable and scientific framework for internal institutions, functions and post setting, and adapt to the reform and development trend of commercial banks, these guiding opinions are formulated.

I. Institutional Adjustment and Distribution Scope

(1) branch. The term "branch" as mentioned in these Guiding Opinions refers to institutions that are at the level of "branch" in the organizational hierarchy of "Head Office-Branch-Branch", have branch names and are directly subordinate to tier-two branches (including business departments and directly affiliated branches of provincial banks), excluding branches (tier-two branches) with branch names but managed by outlets (branches, offices and offices). According to the region where the institution is located, sub-branches can be divided into urban (suburban) sub-branches and county (city) sub-branches; County-level branches can be divided into management branches and single-point branches according to their functions and nature. A custodian branch refers to a branch that has the function of managing the business institutions under its jurisdiction, and a separate branch refers to a branch that does not have the function of managing the business institutions. The business institutions of secondary branches are managed as single-point branches.

(2) business outlets. The business outlets mentioned in these Guiding Opinions include branches, secondary branches, sub-branches, business offices, savings offices and other outlets open to the outside world.

Second, the goal of institutional adjustment and staffing

The objectives of post setting and staffing of sub-branches are: to establish a streamlined and efficient internal organizational system of sub-branches, standardize the internal organization of sub-branches, and clarify the number and functions of internal organizations; Reasonably determine the number of leadership positions, the number of middle managers and the staffing of the branch, divert the surplus staff of the branch, and improve labor productivity. The goal of setting up business outlets is to make the allocation of human resources meet the needs of business operation and prevention of business risks, and to minimize the cost of human resources.

Three. Principles of institutional adjustment and allocation

(1) Simple and efficient principle. According to the business scale and management scope of the branch, the internal organization and human resource allocation standards are determined, the management level is greatly streamlined, and the administrative staff and management costs are reduced. The allocation of leadership positions, internal institutions and management personnel of sub-branches can not only meet the needs of normal operation and management, but also effectively control management costs and improve the efficiency of human resource allocation.

(2) Market-oriented and customer-oriented principles. Adhere to the basic concepts of market-oriented, customer-centered and benefit-oriented, strengthen the business departments directly facing customers, strengthen marketing, and provide customers with efficient and convenient financial services.

(3) Guiding principles of classification. According to the objective conditions and characteristics of county (city) sub-branches, city sub-branches and single-point sub-branches, posts and personnel are set up respectively. The name, quantity and function division of the organization do not require the upper and lower counterparts.

Four. Establishment and functions of internal organs of branches

(1) County (city) sub-branches are set up according to "four departments and one room", namely: financial information department, customer management department, comprehensive management department and office. The main functions of each department are as follows: (The specific division of functions needs to be studied with offices and secondary branches)

1. Financial Information Department: mainly responsible for the preparation, implementation and target assessment of local and foreign currency comprehensive business plans; Responsible for the unified accounting of local and foreign currency business and the unified management of accounting, cashier and settlement business; Responsible for the management of cash, securities and other important documents; Responsible for financial revenue and expenditure and fixed assets management; Responsible for financing, trading, cash approval and interest rate management of local and foreign currencies; Responsible for the publicity, issuance and payment of voucher-type government bonds; Responsible for the comprehensive and statistical statements of local and foreign currency business; Responsible for the management of branches and teller systems; Be responsible for the application, management and daily maintenance of the computer system of the institutions under its jurisdiction.

2. Customer Department: mainly responsible for the market development and marketing tasks of wholesale and retail business. Responsible for organizing funds, focusing on cultivating, developing and consolidating basic customers and excellent customer groups; Responsible for the marketing of local and foreign currency loans, that is, responsible for accepting customer loan applications, conducting pre-loan investigations, and responsible for loan issuance, post-loan inspection, follow-up supervision and principal and interest recovery; Responsible for the preliminary investigation and post-management of financing business such as bill acceptance, discount and bill negotiation; Responsible for the development of intermediate business or new business such as insurance agency, payment agency, corporate finance and international business; Responsible for bank card marketing, underwriting, debt collection and coordinating public relations with special merchants; Responsible for customer credit management and credit rating of account-opening enterprises; Responsible for collecting and feeding back all kinds of information such as industry, industry and products, determining the work direction and objectives in time, and providing customers with all-round business consulting services. |......& gt& gt

Question 9: Which departments of the bank are good? It mainly includes corporate banking department, personal banking department, financial industry (institutional business) department, capital department, risk management department, strategic management department, research department, legal compliance department, finance department, audit department, office department and human resources department.

In terms of development, I personally think it is better to be in the strategic management department.

In terms of income, I personally think it is better to be in the research department.

Question 10: What position do you have in the bank? Generally speaking, savings, legal person, credit, intermediary business, legal person business, international business, credit card business and so on; The specific work is more complicated. I used to work in ICBC, but now I quit. If I am interested in the financial system, the most realistic thing is to improve my education. There is a famous school with a master's degree in finance for many years, with good opportunities and income. I can go directly to the branch or the head office. These departments basically have little contact with basic business, and mainly do data summary and maintenance!

The department settings of each bank are definitely not exactly the same, but some departments have various incomes.

Corporate business department

Mainly responsible for company business, audit, etc.

Personal business department

Mainly responsible for personal business, residents' savings and auditing.

International Business Department

Mainly responsible for international package lending, international wire transfer, foreign exchange settlement, etc.

capital operations

Mainly the settlement of funds.

sales department

Credit approval department

Responsible for the approval of various loans, etc.

Risk management department

It is the department in the bank that evaluates, manages and solves business risks. The business risks of banks mainly include: credit repayment risk, accounting settlement risk, new business test risk, financial management risk, legal risk of business documents and so on. All these risks, especially the first three types of business, are controlled by the Risk Management Department, which takes the lead in formulating solutions.

Compliance department

Compliance risk refers to the risk that banks may be subject to legal sanctions or regulatory penalties, major financial losses or reputation losses due to their failure to comply with laws and regulations, regulatory requirements, rules, relevant standards formulated by self-regulatory organizations and codes of conduct that have been applied to their own business activities.

Finance Department

Finance and planning affairs are the core and power departments of banks.

Accounting and settlement department

Security as the theme, strengthen the basic management of accounting settlement, and take over the work of increasing reserves, intermediary business, insurance, funds and so on. And work hard on the awareness of prevention, professional quality, accounting quality and service skills of all employees.

Strengthen management, supervision, inspection and counseling, guide all employees to handle business in strict accordance with rules and regulations and operational procedures, strengthen personnel training, and improve professional quality and accounting quality.

Cashier security department

Mainly responsible for cash management, safety inspection, monitoring management, fire safety and other safety work.

Ministry of Science and Technology

Mainly responsible for the maintenance of bank computer software and hardware.

Internal audit department

Mainly responsible for the audit of branch summons, checking the mistakes of tellers, etc.

Human resources department

Inspection office

Department of administration

Member of the Party-masses Working Committee

labour union