Career planning for bank tellers 1 The future is not just a fantasy. A good life requires us not only to proceed from our own and social needs, but also to have a thorough and complete plan. A plan that suits us is like a lighthouse, guiding us to the other side of the golden victory.
I. Self-analysis
Objective self-awareness and accurate positioning are the basis of career planning. Combined with the analysis report of career planning evaluation and self-evaluation, I made an all-round and multi-angle analysis of myself.
1, career interest
I like working in banking, securities and insurance.
2. Professional ability
Vocational ability is the synthesis of people's various abilities to engage in a certain occupation. Engaged in banking and securities, in addition to good communication skills, you must also master business processes, stock market ups and downs, some basic characteristics of securities and other knowledge. Therefore, in terms of professional ability, I will try my best to concentrate on these points, do my best in my work, and do my due diligence.
3. Personal characteristics
My personality is very easy-going, outgoing, and I like to deal with others and get along in harmony. I am passionate about what interests me. Compassion, kindness, caring and helping others, active thinking, good at thinking and innovation, willing to take responsibility.
4. Professional values
Professional values are a system of personal psychological inclination to different occupations, which discusses which value is the priority among many value orientations in people's career choice and professional life. Due to the differences in personal physical and mental status, age experience, education, family influence, hobbies and other aspects, each profession also has its own characteristics. Different people have different evaluations and orientations on professional characteristics.
The professional values that employees working in banks and securities companies should have, that is, my professional values, should be enthusiastic, focus on the needs of customers, not only help them solve problems, but also face every customer patiently, enthusiastically and with a smile.
Second, professional employment direction and prospect analysis
I am now majoring in international economy and trade. At the same time, I read a lot of financial books in my spare time. I can use the general methods of economics to analyze financial and insurance activities and handle financial and insurance business. Have certain comprehensive judgment and innovation ability, and can work in central banks, commercial banks, policy banks, securities companies, life insurance companies, property insurance companies, reinsurance companies, trust and investment companies, financial leasing companies, financial asset companies, group finance companies, investment fund companies and financial education departments.
Therefore, my employment direction is mainly:
(1) Commercial banks, including the four major banks, joint-stock banks, city commercial banks and domestic branches of foreign banks.
(2) Securities companies, including fund management companies; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange.
(3) Insurance companies and insurance brokerage companies.
(4) The central bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission, as financial regulatory agencies.
(5) Policy banks such as China Development Bank and China Agricultural Development Bank.
(six) social security fund management center or social security bureau, usually in the direction of insurance.
(seven) the securities department of a listed joint-stock company, securities affairs representatives, etc.
As far as the present situation of China is concerned, I think it is both a challenge and an opportunity for people in finance and related disciplines. As we all know, countless big banks on Wall Street in the United States rarely survived the financial crisis in 2008, which led to many former high-paying people losing their jobs. However, we may have overlooked this problem. Every economic crisis, the first thing to feel and influence is finance, and the first thing to get out of the crisis and recover quickly is the financial industry. There is an urgent need to learn from this crisis and establish a more perfect financial system, which requires a large number of talents. So I think that the next few years will still be an opportunity for financial scholars to show their talents. Moreover, as long as you have enough knowledge and practice reserves to cultivate yourself into talents needed by society, you will make a difference under any circumstances.
Third, the occupation analysis
Personal career choice:
(1) Commercial banks, including tellers of four major banks, stock banks, city commercial banks and domestic branches of foreign-funded banks.
(2) Members of China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.
(3) representatives of the securities department of a listed joint-stock company
Reason for selection: SWOT analysis
First of all, from the analysis report of career planning evaluation and my personal factors, I have strong analytical and understanding ability and am good at analyzing and thinking. All the occupations I choose need profound insight and rigorous thinking ability, which is an advantage. These majors are closely related to finance (that is, my major). Through the cultivation of sufficient knowledge and ability in college or post-graduate stage, I have stronger competitive strength with other non-professional job seekers.
Secondly, the occupation I choose seems to be the one with upper-middle income in the society at present, which requires higher quality and ability of employees, so it is good for me to always restrain myself with higher requirements in college life and study and be a social talent.
Finally, from the analysis of the labor market of my chosen occupation, China is in the primary stage of socialism and implements a financial system of separate operation and supervision. Under the circumstances that the market economy is not yet mature and the market system and mechanism are not perfect, especially in the face of the challenges brought by China's accession to the WTO, financial institutions have the need to expand their business both inside and outside. At present, the institutional framework of separate operation is difficult to change. Through the organizational form of financial holding company, we can not only enjoy the benefits of comprehensive operation to a certain extent, but also form a "firewall" between financial businesses, thus effectively controlling risks. Therefore, in this process, the country is bound to need better and more professional talents, and enterprises need professionals who can bring huge benefits to their investment and securities if they want to stand out in the fierce market competition. So these occupations have a large labor market.
Fourth, the future study plan
As a college student, in the absence of theoretical knowledge and social practice, I think my ideal is far from reality. In order to realize my ideal smoothly, I should read some books related to banking, securities and other occupations purposefully in my future study and life under the premise of studying financial knowledge hard, so as to improve my consciousness and understanding in this profession as soon as possible. At the same time, we should be a college student with all-round development in morality, intelligence, physique and beauty, and constantly improve our overall quality.
Verb (abbreviation of verb) conclusion
Any plan is good, but what is more important is its concrete implementation and the results achieved. We can't always forget this. All talk and no action will come to nothing. But the reality is unknown and changeable, the plan can't keep up with the change, and the set target plan may change at any time, so we require a clear head. If a person wants to succeed, he must show courage, work hard, struggle and struggle. Success, don't believe in tears; You must work hard on your own in the future! The process of achieving the goal requires hard work and unremitting pursuit. Don't flinch because of setbacks, and don't be devastated because of failure. We must have the spirit of repeated defeats and battles, and we must have the courage to repeatedly defeat; Success will eventually belong to you. Say to yourself every day: "I will succeed, I will act according to the target plan and stick to the day of victory." Since the choice is correct, we must stick to it. At this point, this career plan has almost come to an end, however, my real action has just begun. What I have to do now is to take a difficult step towards this planned goal and win the final victory with full enthusiasm.
Career Planning of Bank Tellers (II) Main Responsibilities of Comprehensive Tellers
1, collect, register and keep all deposit price documents and important blank vouchers, and handle the receipt and delivery of all tellers;
2. Responsible for the internal adjustment of cash for teller business and the receipt and payment of cash in savings office, and register;
3. Handle internal transactions with the accounting department of the jurisdiction bank;
4. Supervise tellers to handle special business such as loss reporting, inquiry, collection, freezing and confiscation of savings, and handle annual interest settlement of savings offices;
5. Supervise the teller's work shift to roll accounts;
6. Identification and control of scientific and technological risks of banks
7. Handle savings accounts, reconcile accounts, and prepare vouchers and daily reports; Print the daily report of the savings office, and regularly print the general ledger, subsidiary ledger, deposit account subsidiary ledger and off-balance sheet account register; Back up data and print, bind and keep accounting data such as accounts, tables and books, and be responsible for handing over the original vouchers, accounts, tables and backup disks to the post supervisor;
8. Prepare business day, month, quarter and annual reports.
The main responsibilities of tellers
1. Handle foreign deposit and withdrawal and interest-bearing business, including entering computer accounts, printing vouchers, passbooks, certificates of deposit, cash receipts and payments, etc.
2. Handle the settlement and custody of business cash, and register the teller's cash register;
3. Handle the receipt and custody of important blank vouchers and valuable documents such as business certificates of deposit, passbooks, and register important blank vouchers and valuable documents;
4. Responsible for all kinds of business seals and personal seals of this counter;
5. Roll over counter accounts, print bills, clean up important blank vouchers and valuable documents for checking cash and balance on duty, check business seals, seal boxes with * * * under the supervision of comprehensive tellers, handle handover procedures, and hand over accounting materials such as vouchers to comprehensive tellers.
Chapter III Basic Situation of Career Planning for Bank Tellers:
First of all, I think no matter where I work, there is a busy and busy situation. It doesn't mean that your busy income must be higher than that of people who are not busy, nor does it mean that you have no status. I had the experience of working in a branch, when I was doing credit. The main job is to visit customers every day. Because the president likes me better, he basically drives me to chat with his old friends and customers. Eat with customers at noon, not to mention drinking with customers at night. Every day, business is also very good. Although there are no assessment indicators during the internship, there are about 30 million loans in half a year. I'm ashamed to say that this achievement was mainly discussed by the president, only under my name. But in fact, the most stressful thing in the bank is the grassroots account manager. Whether business or private, there are a series of indicators to be completed, which are closely related to your income. Besides being familiar with business, you should also be eloquent and sociable. In addition, luck and environment are also important. I know a buddy who just jumped from a mainland bank. He is a stranger. One day, while waiting for someone in the office building, he found a company being renovated and chatted with others. I didn't expect that the person chatting with him was the financial director of that company, and I didn't expect that it was a top three IT vendor in Taiwan Province Province, and made a fortune. In half a year, he got hundreds of millions of deposits and made countless loans and discounts. A year later, this buddy was officially promoted to the credit manager of the branch, which is a legend of our year. I also know a friend who used to be the backbone of a branch company and ranked high every year. Because I was transferred to another branch, the environment didn't adapt, and I didn't achieve my goal for several months. His salary and bonus have been deducted again and again, and his annual income is only 20 thousand yuan. These are the real situations that I saw with my own eyes.
Sub-branch account managers are under great pressure, but relatively speaking, they are also highly motivated. I know they can get more than 200 thousand a year at the most. Counter staff, including accountants and savings offices, is another matter. Accounting posts are still relatively stable at present, because relevant knowledge and education are needed. In addition, the accounting system of general banks is relatively perfect. Of course, outrageous things like Gaoshan also happened in banks in China. But in my bank, the accounting supervisor of the branch may not give the president enough face, and everything is done according to the system, and there is no room for accommodation. Before, the income of accountants was not bad, about 70 thousand to 80 thousand, but now it has dropped a lot, I don't know the specific situation.
Saving is relatively simple, but it is hard and tiring. The bank's system is that if you can't get your money back, you must pay for it yourself. I have asked many colleagues who save money, especially when I first started working. Losing 1 and losing 2000 is common. No wonder people always make mistakes when they receive 1 or 200 customers every day and handle so much money, and the air in the hall is dirty and the noise is noisy. The income from savings is lower than that from accounting. This is one of the most informal employees in the bank.
Other positions in the branch:
President, my club is very small, with about 20 people, and the president is the leader of these 20 people. His annual income is about 340 thousand, not including work expenses, such as eating, making phone calls, gasoline reimbursement and so on. But this is a good situation. If the benefit is poor and the task is not completed, then he can only get more than 654.38+ 10,000. On the whole, this is a good job. However, if you are not in your thirties, it is impossible for you to get this position.
Credit supervisors, accounting supervisors and the most important cadres of sub-branches are not only led by the president, but also managed by their direct departments. We all know that middle-level cadres are the most tired. In addition to completing your own tasks, you should also be responsible for the affairs of your subordinates. They can't escape the mistakes of those people. So I live with fear. The annual income is about 65438+ ten thousand.
Lobby manager, temporary worker, intern. Generally speaking, it is not a formal establishment of banks, but it is said that in recent years, it has gradually become a long-term contract worker. These people have the lowest income, ranging from/kloc-0 to 2000 a month, including drivers and clerks.
At the basic level of the bank, the most important task is to complete all the index tasks. Whether you are tired or not depends on what you think. Personally, the hardest thing is the loan officer, who runs outside every day and has no guarantee. However, at least it is better than the insurance company's business. Many companies have posted promotional insurance at the door, at least not to the point where bank account managers are not allowed to enter.
Career planning for bank tellers 4 What qualities do bank recruitment value most 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 all 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.