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

Group 1

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

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

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.

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.

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.

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

(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

C. The Expected Career Path

Credit Officer Credit Analyst

Senior Credit Analyst Department

Manager

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 + )

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

Group 1

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

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

Case 2: SmithBarney citigroup Basic Skills: 1. Analytic skill2. Interactive skill3. Teamwork building skill4. Strong financial background/working

experience5. Strong business sense and macroeconomic

view

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

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

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

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

Specific skill: 1. Candidates require of at least 2 years of

working experiences in the Latin America’s 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.

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.

The End&

Thank You