No matter how much romantic welfare us is that not in money, happiness, without pleasantly rustling banknotes and ringing coins, it is impossible to live in modern society. That is why people seek not only to earn a "despicable metal" on current needs, but to postpone the "tight" penny. For these purposes, most people prefer to use the services of banks in which the accumulations are not just lying, but "work" and sometimes bring good income in the form of interest.
No matter how much romantic welfare us is that not in money, happiness, without pleasantly rustling banknotes and ringing coins, it is impossible to live in modern society. That is why people seek not only to earn a "despicable metal" on current needs, but to postpone the "tight" penny. Some still uses the Old Dedovsky method to save the post-free money - the usual glass jar. But most people are still preferred to use the services of banks in which the accumulations are not just lying, but "work" and sometimes bring good income in the form of interest.
Well, since those who want to use the services of banking institutions every day is becoming more and more popularity professions banker Among the applicants increases in geometric progression. A significant role in the growing popularity of this profession is played by the eternal desire of people is closer to the money, as well as the benefits of working in a bank, which we will tell today and tell.
Who is a banker?
Banker is a bank employee who participates with the clients of the financial institution, the manager participating in the banking business or the owner of banking capital. In other words, a banker can be called any key specialist of the institution associated with the financial sphere.
The name of the profession (as well as the financial institution itself) happened from the Italian "Banco" (the table on which the changes unfolded coins). Accordingly, in initially bankers called those who worked at the table. And the usual for us today, the banker's function was carried out by the usurists, who for a long time carried out the most popular operation in modern banks - lending.
Today banker It is a multifaceted specialist who can properly operate with financial flows, manage loans and loans. In fact, it is representatives of this profession that are intermediaries and operators of the credit system of the whole country.
The scope of activities of any banker covers not only the provision of financial services to individuals and legal entities, but also the purchase / sale of state funds and interest rates of private enterprises, monetary and bill operations, etc. In professional duties bank employee Consulting, customer service of financial institution, analytical activities, forecasting and planning.
What personal qualities should the banker have?
Since all banker's job responsibilities are somehow related to money (and mainly the money of the Bank's customers), such a specialist, first of all, should have such qualities as responsible, honesty and decency. In addition, the banker must be:
- attentive;
- patient;
- purposeful;
- initiative;
- sociable;
- disciplined;
- leisure.
Also banking specialist It will never be able to succeed on a professional field, if he does not have the ability to analytical thinking, rapid response to unforeseen situations and finding the most optimal solutions, desire for self-education and a clear fulfillment of its professional duties.
Benefits of the banker profession
The banker's profession has a lot of advantages, listed which within the framework of only one article is practically not possible. Therefore, we will dwell solely on those that, as they say, are "lying on the surface."
- Prestige - banker refers to elite professions, especially if we are talking about bank employee top link.
- Stability - compared to other commercial enterprises that appear, they disappear, banks are considered to be a stronghold of stability.
- Huge prospects for career growth - if desired, a young specialist has a real opportunity in a short time to overcome the way from a simple cashier to a middle or senior specialist.
- Universality - Experience in the banking institution allows a specialist to work not only in a commercial bank, but also on stock exchanges, insurance organizations, investment design departments, etc.
Disadvantages of the banker's profession
Like any other profession work banker It has not only advantages, but also obvious disadvantages. And, above all, it is an abnormal working schedule, which most negatively affects the construction of personal relationships. In addition, applicants who want to get this profession must be borne in mind that the work of the banking worker has such disadvantages as:
- monotonicity - the main banking operations are routine and monotonous work requiring to the same high concentration and maximum care;
- responsibility - banker, like a sapper, has no right to make a mistake. And, the higher the position, the greater responsibility;
- confidentality of posts - In order to take the post of senior, it is necessary to successively work in all divisions of the bank.
Where can I get a banker profession?
The Russian Institute of Vocational Education "IPO" - conducts a set of students to receive training in the IPO - this is a convenient and rapid receipt of distance education. 200+ training courses. 8000+ graduates from 200 cities. Suggested deadlines for paperwork and training external, interest-free installments from the institute and individual discounts. Contact!
Get a banker profession It is possible in one of the profile universities of Russia in the financial or economic faculty. Such a university is available in almost every region and the city of Russia, so there should be no problems with the choice of educational institution.
A banker's profession description cannot be started, without remembering her story, because even in antiquity she was popular. And now it implies in demand in major financial institutions, great prospects, literacy and, which is important, financial security.
Bankers appeared, one can say, from about the moment Humanity refused to naturally exchange goods and introduced the liquid unit - money. But the history of the emergence and development of money is a separate topic. And in this material we will talk about people whose hands are governed by the main cash flows of states, and what is the banker's profession (its nuances descriptions and features). We also touch those who have directly related to the development of cash relations, and thus laid the basis of the new profession - banker.
The first bankers - change
The appearance of changed was due to a number of factors related to the features of the use and storage of cash. So, in ancient times, money and gold were transported in chests and live transport, in the form of horses or camels. And this, most often, threatened the meeting with robber hay, inhabited in the forests and mountains. They represented a real threat to safety during the transport of values.
Rich merchants began to look for ways out of this position. And the laws of the market and then existed: where is the demand, there is a proposal. There were people who took the merchant money under receipt. And their other colleagues, already in the country's arrival country, issued an entrusted amount for a specific fee. This was the so-called change.
They sat in their shops and owned information about the money of other countries. They also helped changing the money of one country for money by another - in one word, performed the functions of the current exchange points and banks. Over time, the changes were accumulated by solid capital, which allowed them to paint into large financial enterprises. They financed various projects. Their clients could be both ordinary people with modest savings and rich - with decent capital.
Ingenious changed or prophet of the banking sphere?
Today it is quite prestigious: "Profession is a banker." The history of her occurrence, as you have already convinced, is very fascinating.
And one of these "changeable" offices today has the power over the whole world - this is the office of Mayer Rothschild, based on about 300 years ago. This man substantiated the largest financial dynasty, which today is engaged in the production of dollars. In the literal sense of the word.
However, the story of Rothschilds is not an event, but a phenomenon playing a key role in the history of mankind. This is the brightest and stunning example of a banker. 
In addition, the world has also known many of the stories of financial geniuses, which could modestly introduce themselves: "Profession - banker." A description of each such history inspires future cash flow vertices.
Portrait of a modern banker
Over time, the named system was improved, but the essence of the activity remained the same. True, the banker's profession, the description that you read in our article, somewhat modified. This is due to the fact that current financial institutions have a wide range of financial services. Now bankers require a considerable number of knowledge and skills. In their work, they have to solve a number of issues, sometimes even beyond the limits of financial transactions.
These duties include the tasks of the legal, marketing and IT department of banks. Thus, a specialist of the legal department should be simultaneously both a banker and a lawyer. So in order to resolve controversial issues, it is not enough to know only the "Law on Banking Activities". In addition, the specialist should know excellently all the subtleties of banking.
The same thing is in the IT Department of the Bank. Even the most highly qualified programmer without knowledge of the basics of financial transactions will not be able to write a program for the bank. So, as you can see, all the professions of the banker require many additional skills and knowledge.
Where bankers are in demand
Many young people dream of hearing in their address: "He has a banker". Who is a banker? Depending on how this person will work in which the financial institution will work, his duties will be different. And the bank is not the only place where bankers are in demand.
Graduates of universities who received the specialty "banking" can work in insurance and investment enterprises, in the financial departments of other organizations and credit institutions. 
But still the most promising and prestigious is the work in the bank. Here the banker must comply with a number of responsibilities. They can be divided into those related to money, and those that play a supporting role. So, the lending department is engaged:
- consideration of loans;
- studying the capabilities of the client;
- risk assessment of the bank;
- directly follows the repayment of the debts of individual customers.
In the event that the loan is requested for entrepreneurial purposes:
- banker studies the state of the industry funded as a whole;
- evaluates the prospects for a specific business plan.
With mortgage lending, it analyzes the risks associated with financing specific real estate and evaluates its liquidity. But if others argue about market trends based on causal relationships, the banker has its own mathematical and statistical methods that give the most accurate financial forecasts.
Complement List of banker tasks:
- The investment department sets the tasks of assessing and analyzing long-term investments and, in addition, participates in the purchase of large enterprises and further tracking their development.
- The bank earns some of the funds by implementing shares and securities. The activities of the banker from this department lies in the issue of bills and other securities and their implementation.
- The department, which combines specialists who serve us daily, is called operating. His employees work directly with the population and perform various transactions with money.
- One of the relatively new, but demanded services is the service of bank cards - is carried out by specialists of the plastic card department. Their task is to issue and maintain cards implemented by the Bank in order to obtain additional profits.
- The person of each bank is the reporting department. Employees of this department form not only accounting data for reporting to tax authorities. Their main task is to form reports on all aspects of the Bank's activities. This information plays an important role in customers and investors. In addition, on the basis of the data obtained, the Central Bank of the Russian Federation makes a decision to extend or withdraw the Bank's license.
- The economic analysis department studies trends in the economy and determines the vector of banking policy. Their error can lead to multi-million dollar losses of the Bank.
- The IT department of the bank today is particularly responsible. Before employees there is a task of security of customer data and the bank performed by the Bank. If the database is poorly protected, any virtual fraudster can derive funds from the bank.
- The marketing department is engaged in learning the needs of potential customers. In addition, it should provide the highest possible stream of clients in a highly competitive environment. This division works closely with the media and advertising agencies.
- The Legal Department is designed to solve all the controversial issues in the Bank's activities. Employees of this department are engaged in drawing up contracts, follow the performance of the parties to the parties and participate in the courts. Their task is the organization of the Bank's activities within the framework of established laws and norms.
Profession banker - Description for children
Due to the popularity and prestigiousness of the profession, children from an early age can be interested in her. But try to explain to them that is a banker profession! Description for children to give quite difficult. Not every adult is able to immediately understand and explain the classic wording of banking activities.
If the child insists on explaining the essence of the banker's profession, then you can briefly tell that the banker is a person who knows how to accumulate money and how to spend it wisely. In addition, he gives other people long amounts in debt, and those in return should return a little more. From this difference, bankers make money. And the place where they lead activities and write down to whom they gave a debt is called the Bank.
At the same time, we recommend to refrain from the stories about interest rates and collector services. It can cause damage to your child's psyche. 
Banker's capabilities
If you ask a young man about how it represents a modern banker, he will certainly answer that this is a man on an expensive car, who has a personal account in a respectable building and dressed in an expensive suit. However, these are just external success attributes, a certain status indicator.
Choosing a banker's profession, any young man has the right to count on the perspective when he will be included in the top management of the enterprise. As a result, this will lead to gradual financial well-being and greater privileges. And financial well-being can develop not only from wages.
The banker must know the foundations of macro and microeconomics, to accurately make financial forecasts, be able to analyze the profitability of each event and know the methods of increasing capital. Many, of course, are interested in how the banker's profession is paid. Salary in Russia in these specialists begins from 100,000 rubles per month.
Unique advantages of profession
A man who is well-focused in the financial sphere can apply his knowledge and for personal purposes. For example, receive additional profits in the form of investing, buying securities and gold bars bringing profits in the future. It is also important to note that the profession of banker , specialist of the credit and customer sphere, dealer, etc. The most in demand in the economy.
Modern banking systems can benefit even from crisis periods. And in this regard, this sphere is unique. Considering that both in the crisis, and in a stable time, people are only busy with the fact that they solve cash issues, banking operations do not lose their relevance. Depending on the trends in the economy, the Bank may simply shift accents from one operation to another. Some economic conditions are favorable to attract funds to deposits and deposits, while others - to issue loans for solid rates. In any case, the Bank earns its profits.
Inevitable shortcomings
Considering all the "pros" and "minuses" of the banker's profession, it is impossible not to mention its shortcomings. After all, even the vocation sometimes requires efforts on oneself. And the routine banker's profession is not an exception to the rules.
All his activities are carried out with the help of a computer, papers and a sedentary lifestyle. It is necessary to work mainly with numbers. This requires maximum care. And since these numbers are not just numbers, but cash, then the responsibility for their correctness is very large.
Beginner banker in business: what to expect
Large organizations put very stringent requirements for corporate discipline. By virtue of the prestige of each job, in the case of any deviations, they are not ceremony with employees - they are fired.
In addition, all modern banks are equipped with video surveillance cameras. This is, first of all, a measure of safety against intruders, but through the same chamber is clearly visible than every employee is engaged in its work desk. With such a total observation there is no place for frequent tea drinking and smokers. An employee should always be in place.
How to become a successful banker?
Under such conditions for professional growth, it is not enough just to cope with its responsibilities. If there is a desire to make a career, you will have to show yourself from the best side.
Banking sector will never lose their relevance. And this is not ends with her portrait. The profession "banker" (description, history and prospects) is very multifaceted, so those who have aspirations to grow and develop in a comfortable life can safely go in this direction. And the prospects and unlimited possibilities in this area will be enough for everyone.
Currently known profession the banker is very fashionable and in demand today.
The name of the banker's profession implies both the owner of banking capital, or the bank manager and the manager of any link in the bank.
Requirements for the profession banker
Bank employees must have certain character traits:
- ambitiousness
- determination,
- energy,
- dedication
- high learning
- communicability,
- be intellectually developed
- know human psychology.
Only such people will be able to achieve certain heights in the work.
Features of the profession banker
In the modern time of the global economic and banking crisis, banks are also not easy to survive. The bankers get a difficult task to apply all his knowledge and experience, use their analytical warehouse of the mind and make the right economic analysis, reliable long-term forecasting the development of the economy and the banking sector in the country, to navigate in time in a rapidly changing situation.
Any bank has many activities:
- lending to individuals and legal entities (this is an assessment of the financial state of the borrower and the issuance of loans);
- the work of the department of securities and the stock department (placement of securities in the market and stock exchange, the release of bank bills);
- the work of the Dingle Department (engaged in buying and selling currency);
- operational services of individuals and legal entities (this is transferring funds from customer accounts to their order);
- work of the legal department (legal assessment of contracts, representation in court) and the department of economic analysis;
- work of the information technology department (for example, supporting the work of the client-bank system) and the marketing department (attracting new clients to the bank);
- the work of the Plastic Card and Reporting Department.
Therefore, the Bank needs representatives of various specialties:
- economists and accountants,
- and securities specialists
- programmers and network administrators,
- marketing managers.
Pros and cons profession banker
Of course, attracts prestigious in the banking business, worthy work in the office. And most importantly, for which we work - high pay for work. The advantage of working in the bank is the fact that for ambitious, competent employees is a rapid take-off on the service staircase. For versatile personalities, it is also an opportunity to try to work in different banking sectors, gain experience and asserted.
There are plenty of minuses in banking. This is a very responsible job, the rights to the error can not be here. For example, sending money not to the bill, you can be in a very unpleasant situation. In general, work requires a large concentration of attention, returns to all forces and energy. In addition, it is necessary to constantly improve.
Banker - the owner or investor of the banking business, the senior manager in the bank responsible for attracting investments, an increase in the number of depositors.
Wage
90.000-150.000 rub. (rabota.yandex.ru)
Place of work
Bankers work in banks, various financial institutions, financial planning departments of large companies, investment design departments, credit institutions, on stock exchanges.
Responsibilities
Banker is the general direction of the banking specialization. The responsibilities of a specialist depend on the company in which it works as well as from the level of office.
Basically, the work comes down to customer service, the collection of statistical data, forecasting, counseling, management staff.
Banker can be found not only in banks. Any businesses whose main activity is associated with the management of financial flows needs the services of a competent banker.
Important qualities
Successful bankers are distinguished by such qualities as: responsibility, attentiveness, purposefulness, constant desire for new knowledge, punctuality, operational, analytical mind.
Reviews about profession
"I am convinced that our most important asset is a worker. He opens up new opportunities before us and at the same time sets some borders. Of course, the numbers, good financial results for us are important. But still more important is a person. Suppose I want to expand the business. This is possible only under one condition: if you have suitable people. If I do not have them, I will prefer not to expand. "
Banker Hans Fontabel.
Stereotypes, humor
Despite the relative economic instability in Russia, the banking sphere has always been a stronghold of stability. A good banker will never go without a case. Perhaps this is one of those professions where a clear relationship between experience and wages can be traced.
Training
To become a banker, you need to get a top specialized education in the specialties "Banking", "Finance and Credit". These areas are represented in such universities as: Leningrad State University named after A. S. Pushkin, St. Petersburg University of Management and Economics, St. Petersburg State Economic University, St. Petersburg State University, St. Petersburg Institute of Foreign Economic Relations, Economics and Law .
Economic universities in Moscow: Moscow State University named after M. V. Lomonosov; National Research University Higher School of Economics; Moscow State Technical University named after N. E. Bauman.
No matter how much romantic welfare us is that not in money, happiness, without pleasantly rustling banknotes and ringing coins, it is impossible to live in modern society. That is why people seek not only to earn a "despicable metal" on current needs, but to postpone the "tight" penny. For these purposes, most people prefer to use the services of banks in which the accumulations are not just lying, but "work" and sometimes bring good income in the form of interest.
No matter how much romantic welfare us is that not in money, happiness, without pleasantly rustling banknotes and ringing coins, it is impossible to live in modern society. That is why people seek not only to earn a "despicable metal" on current needs, but to postpone the "tight" penny. Some still uses the Old Dedovsky method to save the post-free money - the usual glass jar. But most people are still preferred to use the services of banks in which the accumulations are not just lying, but "work" and sometimes bring good income in the form of interest.
Well, since those who want to use the services of banking institutions every day is becoming more and more popularity professions banker Among the applicants increases in geometric progression. A significant role in the growing popularity of this profession is played by the eternal desire of people is closer to the money, as well as the benefits of working in a bank, which we will tell today and tell.
Who is a banker?
Banker is a bank employee who participates with the clients of the financial institution, the manager participating in the banking business or the owner of banking capital. In other words, a banker can be called any key specialist of the institution associated with the financial sphere.
The name of the profession (as well as the financial institution itself) happened from the Italian "Banco" (the table on which the changes unfolded coins). Accordingly, in initially bankers called those who worked at the table. And the usual for us today, the banker's function was carried out by the usurists, who for a long time carried out the most popular operation in modern banks - lending.
Today banker It is a multifaceted specialist who can properly operate with financial flows, manage loans and loans. In fact, it is representatives of this profession that are intermediaries and operators of the credit system of the whole country.
The scope of activities of any banker covers not only the provision of financial services to individuals and legal entities, but also the purchase / sale of state funds and interest rates of private enterprises, monetary and bill operations, etc. In professional duties bank employee Consulting, customer service of financial institution, analytical activities, forecasting and planning.
What personal qualities should the banker have?
Since all banker's job responsibilities are somehow related to money (and mainly the money of the Bank's customers), such a specialist, first of all, should have such qualities as responsible, honesty and decency. In addition, the banker must be:
- attentive;
- patient;
- purposeful;
- initiative;
- sociable;
- disciplined;
- leisure.
Also banking specialist It will never be able to succeed on a professional field, if he does not have the ability to analytical thinking, rapid response to unforeseen situations and finding the most optimal solutions, desire for self-education and a clear fulfillment of its professional duties.
Benefits of the banker profession
The banker's profession has a lot of advantages, listed which within the framework of only one article is practically not possible. Therefore, we will dwell solely on those that, as they say, are "lying on the surface."
- Prestige - banker refers to elite professions, especially if we are talking about bank employee top link.
- Stability - compared to other commercial enterprises that appear, they disappear, banks are considered to be a stronghold of stability.
- Huge prospects for career growth - if desired, a young specialist has a real opportunity in a short time to overcome the way from a simple cashier to a middle or senior specialist.
- Universality - Experience in the banking institution allows a specialist to work not only in a commercial bank, but also on stock exchanges, insurance organizations, investment design departments, etc.
Disadvantages of the banker's profession
Like any other profession work banker It has not only advantages, but also obvious disadvantages. And, above all, it is an abnormal working schedule, which most negatively affects the construction of personal relationships. In addition, applicants who want to get this profession must be borne in mind that the work of the banking worker has such disadvantages as:
- monotonicity - the main banking operations are routine and monotonous work requiring to the same high concentration and maximum care;
- responsibility - banker, like a sapper, has no right to make a mistake. And, the higher the position, the greater responsibility;
- confidentality of posts - In order to take the post of senior, it is necessary to successively work in all divisions of the bank.
Where can I get a banker profession?
The Russian Institute of Vocational Education "IPO" - conducts a set of students to receive training in the IPO - this is a convenient and rapid receipt of distance education. 200+ training courses. 8000+ graduates from 200 cities. Suggested deadlines for paperwork and training external, interest-free installments from the institute and individual discounts. Contact!
Get a banker profession It is possible in one of the profile universities of Russia in the financial or economic faculty. Such a university is available in almost every region and the city of Russia, so there should be no problems with the choice of educational institution.
