Job Research (Job 1) Assistant Credit Analyst/Credit Officer

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Job Research (Job 1)Assistant Credit
Analyst/Credit Officer

• Group 1

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A. General Job Nature

• Evaluate and process applications for credit or
  loans in a commercial bank
• Prepare reports on credit ratings of customers
• Prepare statements of overdue accounts

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General Job Nature(Cont)

• Provide support in credit underwriting and
  assessment
• Assist in promoting financial services to
  customers 
• Provide administrative support to the Credit
  Managers in their credit approval process,
  including information collecting

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B. Basic Skills and Specific skills

• To be assistant credit analysts, we should have
  some basic skills like the following
• Highly motivated with exceptional analytical
  skills
• Good English skills
• Look for ways to help people.
• Inspect and evaluate the quality of products.
• Express ideas clearly when speaking and writing.

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• Check how well one is learning or doing
  something.
• Judge the costs and benefits of a possible
  action.
• Choose a mathematical method or formula to solve
  problems.
• Listen to others and ask questions.

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• Add, subtract, multiply, and divide quickly and
  correctly.
• Be aware of others' reactions and understand the
  possible causes.
• Identify problems and review information. Analyze
  options and apply solutions.
• Read and understand work-related materials.

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• The specific skills are
• Knowledge of computer hardware and software
• Judgment and Decision Making
• Weighing the relative costs and benefits of a
  potential action
• Problem Identification
• Identifying the nature of problems

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• (The specific skills )
• Active Listening
• Listening to what other people are saying and
  asking questions as appropriate
• Reading Comprehension
• Understanding written sentences and paragraphs in
  work-related documents
• Information Gathering
• Knowing how to find information and identifying
  essential information

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C. The Expected Career Path

• ?Credit Officer
• ? Credit Analyst
• ? Senior Credit Analyst
• ? Department Manager

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D. The Reasonable Salary

• Credit Analyst (3-6 yrs)
• 15-18k (0-1 yr.of exp)
• 18-30k (2-4 yr )
• 30k (5 yrs )
• Credit / Loan Officer (0-3 yrs)
• 15k (0-1 yr )
• 15-20k (2-4 yr )
• 20-25k (5 yrs )

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Job Research (Job 2) Equity Research Analyst in
an Investment Bank

• Group 1

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General job nature of an equity research analyst

• Aid investors in their decision-making process
• Analysis industry trend
• Conduct detailed company-specific financial
  analysis
• Communicate to the clients
• Evaluate the impact of trends such as changes in
  the industry

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Case 1 Merrill Lynch

• Participate in all aspects of equity research
  analysis
• Interpret data
• Analyze financial statements and regulatory
  filings
• Meet with sell-side analysts and company
  management teams
• identify mid cap/small cap investment
  opportunities
• Evaluate potential investments and monitor
  existing holdings

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Case 2 SmithBarney citigroup

• Basic Skills
• Analytic skill
• Interactive skill
• Teamwork building skill
• Strong financial background/working experience
• Strong business sense and macroeconomic view

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Case 1 Citigroup

• Our Equity Research team is recognized for its
  expert in-depth analysis, creating unique ways to
  evaluate the companies they analyze.
• ? Analytic skill
• ? Teamwork building skill

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Case 2 Smith Barney citigroup

• Prior to this position, candidates are at a
  preference if he were an Investment Banking
  Analyst in the Financial Institutions Group as
  well.
• ? Sophisticated working experience in financial
  filed
• ? Analytical skill
• ? Macroeconomic view and sense required for the
• preparation of portfolios.
• ? Interactive and teamwork building skills
• ? Professional knowledge M A

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Case 3 Merrill Lynch

• The position requires a solid background in
  economics, finance, accounting, and statistics.
  Previous experience in mid cap/small cap equity
  analysis required. A Master's Degree in business
  administration and progress toward the C.F.A
  designation desired. Ability to communicate
  effectively with the investment professionals and
  willingness to participate in a dedicated team
  effort.
• ? Related working experience
• ?Qualifications like MBA and or CFA
• ? Interactive skill
• ? Teamwork building skill

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Case 4 Bank One

• Candidates are preferred of having ability to
  model and forecast earnings based on
  conversations with company management as well as
  a review of applicable financial statements. 
  Stock selections are then made within the
  sector. 
• Most importantly, the candidate should have prior
  experience in analyzing and selecting stocks for
  inclusion in mutual funds.
• ?Macroeconomic view to forecast industry trend.
• ?Strong financial knowledge stock selection.
• ? Related working experience
• ? Strong analytical skill

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Specific skill

• 1. Candidates require of at least 2 years of
  working experiences in the Latin Americas
  equity.
• 2. Candidates must have a certain degree of
  knowledge and sense about the equity market in
  the emerging market.
• 3. Candidates need to speck fluently of the local
  languages Spanish, Portuguese.

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Salary of an analyst

• Typically hired directly out of top undergraduate
  universities
• In New York, salary often begins for first-year
  analysts at 45,000 to 55,000 per year, with an
  annual bonus of approximately 30,000.

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The EndThank You