Финансовый консультант — работа в Финляндии
Financial planners assist people dealing with various personal financial issues. They are specialised in financial planning, such as retirement planning, investment planning, risk management and insurance planning, and tax planning. They advise a strategy tailored to the client's needs. They ensure the accuracy of bank and other financial records while maintaining a customer-orientated approach and following ethical standards.
Финансовый консультант - Какие навыки обязательны?
Processes and principles related to the customer, client, service user and to personal services; these may include procedures to evaluate customer's or service user's satisfaction.
The broad and continuously growing banking activities and financial products managed by banks ranging from personal banking, corporate banking, investment banking, private banking, up to insurance, foreign exchange trading, commodity trading, trading in equities, futures and options trading.
Identify, evaluate and determine the actual and potential risks of your clients’ assets, considering confidentiality standards.
The tool used in performing fiscal financial management to identify revenue trends and estimated financial conditions.
Meet with clients to review or update an investment portfolio and provide financial advice on investments.
Develop a financial plan according to financial and client regulations, including an investor profile, financial advice, and negotiation and transaction plans.
Collect, revise and put together financial information coming from different sources or departments in order to create a document with unified financial accounts or plans.
Read, understand, and interpret the key lines and indicators in financial statements. Extract the most important information from financial statements depending on the needs and integrate this information in the development of the department's plans.
Use appropriate questions and active listening in order to identify customer expectations, desires and requirements according to product and services.
Provide colleagues, clients or other parties with financial support for complex files or calculations.
Gather information on securities, market conditions, governmental regulations and the financial situation, goals and needs of clients or companies.
Consult, advise, and propose solutions with regards to financial management such as acquiring new assets, incurring in investments, and tax efficiency methods.
Economic principles and practices, financial and commodity markets, banking and the analysis of financial data.
The financial infrastructure which permits trading securities offered by companies and individuals govern by regulatory financial frameworks.
Create and maintain the credit history of clients with relevant transactions, supporting documents, and details of their financial activities. Keep these documents updated in case of analysis and disclosure.
Analyse the payment capacity and credit history of potential customers or business partners.
The theory of finance that attempts to either maximise the profit of an investment equivalent to the risk taken or to reduce the risk for the expected profit of an investment by judiciously choosing the right combination of financial products.
The methods and tools for analysis of an investment compared to its potential return. Identification and calculation of profitability ratio and financial indicators in relation to associated risks to guide decision on investment.
Explain technical details to non-technical customers, stakeholders, or any other interested parties in a clear and concise manner.
Observe the status and availability of funds for the smooth running of projects or operations in order to foresee and estimate the quantity of future financial resources.
Provide a broad range of financial services to clients such as assistance with financial products, financial planning, insurances, money and investment management.
Give the customer or client information about financial products, the financial market, insurances, loans or other types of financial data.
Administer currencies, financial exchange activities, deposits as well as company and voucher payments. Prepare and manage guest accounts and take payments by cash, credit card and debit card.
Финансовый консультант - Какие навыки полезны, но не обязательны?
Handle customer expectations in a professional manner, anticipating and addressing their needs and desires. Provide flexible customer service to ensure customer satisfaction and loyalty.
The different types of instruments that apply to the management of cash flow that are available on the market, such as shares, bonds, options or funds.
Examine and analyse the loans provided to organisations and individuals through different forms of credit such as overdraft protection, export packing credit, term loan, and purchase of commercial bills.
Advise on appropriate strategies to include taxes in the overall financial plan in order to reduce the tax load. Advise on questions related to tax legislation and provide advise on the possible implications that decisions in financial matters can cause in a tax declaration.. Advise on questions concerning things such as the creation of a company, investments, recruitments, or company successions.
Protect the interests and needs of a client by taking necessary actions, and researching all possibilities, to ensure that the client obtains their favoured outcome.
Monitor and forecast the tendencies of a financial market to move in a particular direction over time.
The currencies of different countries such as the euro, dollar or yen including their exchange rate and the methods of currency conversion.
Assess the defaulter's pecuniary circumstances by evaluating the personal income and expenses, and the balance sheet which includes the value of the house, bank account, car and other assets.
Manage the sums of money which individuals or organisations pay across a timespan of many years which will ensure they acquire many benefits in retirement. Ensure the amounts paid are correct and that detailed records are kept.
Gather information about the insurance needs of a client, and give information and advice about all possible insurance options.
Study data according to business strategies and objectives and make both short-term and long-term strategic plans.
Create an investment portfolio for a customer that includes an insurance policy or multiple policies to cover specific risks, such as financial risks, assistance, reinsurance, industrial risks or natural and technical disasters.
Open new banking accounts such as a deposit account, a credit card account or a different type of account offered by a financial institution.
The field of finance that concerns the practical process analysis and tools for designating financial resources. It encompasses the structure of businesses, the investment sources, and the value increase of corporations due to managerial decision-making.
Assist clients with filling out and managing their applications for loans by providing them with practical assistance, such as provision of relevant documentation and instruction on the process, and other advice such as any arguments they could bring forward to the lending organisation in order to secure the loan.
Assess the customer's economic goals and advise on the possible financial investments or capital investments to promote wealth creation or safeguarding.
Collate all the financial transactions done in the daily operations of a business and record them in their respective accounts.
Communicate with professionals in the field of banking in order to obtain information on a specific financial case or project for personal or business purposes, or on behalf of a client.
The trends concerning the buying, selling, or renting of property, including the land, buildings, and natural resources encompassed within the property; the categories of residential properties and properties for business purposes which such properties are traded in.
The financial instruments traded in financial markets representing both the right of property over the owner and at the same time, the obligation of payment over the issuer. The aim of securities which is raising capital and hedging risk in financial markets.
Predict and manage financial risks, and identify procedures to avoid or minimise their impact.
The techniques of recording and summarising business and financial transactions and analysing, verifying, and reporting the results.
Based on accounts, records, financial statements and external information of the market, analyse the performance of the company in financial matters in order to identify improvement actions that could increase profit.
The types of monthly sums paid to someone in retirement, such as employment-based pensions, social and state pensions, disability pensions and private pensions.
Work with financial instruments such as stocks, bonds, mutual funds and derivatives.
Calculate the benefits which the people connected to the organisation are entitled to, such as employees or retired people, using the information of the person and the interplay between governmental benefits and benefits obtained through for example employment.
The financial system of acquiring money by property owners or prospective property owners, in which the loan is secured on the property itself so that the property can be repossessed by the lender in the absence of payments due by the borrower.
Understand the principles of insurance, including third party liability, stock and facilities.
Examine and evaluate land and buildings in order to make valuations about their price.
The processes needed to obtain goods or services before payment and when a sum of money is owed or overdue.
Help people to write their will in order to define how assets such as estate, businesses, savings and life insurance are divided after the individual has passed away.
Provide advise on the possible implications for companies or individuals on decisions regarding tax declaration based on tax legislation. Advise on the favourable tax strategies that could be followed depending on the needs of the client.
The market in which shares of publicly held companies are issued and traded.
Loans which are intended for business purposes and which can either be secured or unsecured depending on whether a collatoral is involved. The different types of business loans such as bank loans, mezzanine finance, asset-based finance, and invoice finance.
Control the ongoing credit commitments in order to detect anomalies related to the schedules, refinancing, approval limits etc., and to identify improper disbursements.
Analyse the credit files of an individual, such as credit reports which outlines a person's credit history, in order to assess their creditworthiness and all the risks that would be involved in granting a person a loan.
Inform prospective borrowers on the rate at which compensation fees for use of assets, such as borrowed money, is paid to the lender, and at which percentage of the loan the interest stands.
Tax legislation applicable to a specific area of specialisation, such as import tax, government tax, etc.
Sell insurance products and services to customers, such as health, life or car insurance.
Gather, organise, and combine financial data for their interpretation and analysis in order to predict possible financial scenarios and performance of a company or project.
Financial rules and procedures applicable to a certain location, whose regulatory bodies decide on its jurisdiction
Identify and analyse risks that could impact an organisation or individual financially, such as credit and market risks, and propose solutions to cover against those risks.
Create a contract between two parties for the purchase, sale or rental of real estate. Make sure the real estate contract and the specifications comply with the legal requirements and are legally enforceable.
The various types of risk or loss transfer policies that exist and their characteristics, such as health insurance, car insurance or life insurance.
Другие профессии
- Финансовый менеджер
- Клиентский менеджер банка
- Инвестиционный консультант
- Кредитный консультант
- Брокер по ценным бумагам
- Трейдер на финансовых рынках
- Биржевой брокер
- Управляющий инвестиционным фондом
- Трейдер по ценным бумагам
- Кредитный менеджер
- Консультант по корпоративному банковскому обслуживанию
- Финансовый брокер