Финансовый менеджер — работа в Финляндии
Financial managers handle all the matters in reference to the finance and investments of a company. They manage financial operations of companies such as the assets, liabilities, equity and cash flow aiming to maintain the financial health of the company and operative viability. Financial managers evaluate the strategic plans of the company in financial terms, maintain transparent financial operations for taxation and auditing bodies, and create the financial statements of the company at the end of the fiscal year.
Финансовый менеджер - Какие навыки обязательны?
Read, understand, and enforce the abidance of the financial policies of the company in regards with all the fiscal and accounting proceedings of the organisation.
Monitor and forecast the tendencies of a financial market to move in a particular direction over time.
Develop strategies and plans aiming at achieving a sustained company growth, be the company self-owned or somebody else's. Strive with actions to increase revenues and positive cash flows.
The set of financial records disclosing the financial position of a company at the end of a set period or of the accounting year. The financial statements consisting of five parts which are the statement of financial position, the statement of comprehensive income, the statement of changes in equity (SOCE), the statement of cash flows and notes.
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.
Develop a financial plan according to financial and client regulations, including an investor profile, financial advice, and negotiation and transaction plans.
Consult, advise, and propose solutions with regards to financial management such as acquiring new assets, incurring in investments, and tax efficiency methods.
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 process of assessing the financial possibilities, means, and status of an organisation or individual by analysing financial statements and reports in order to make well informed business or financial decisions.
Set up procedures for maintaining and improving health and safety in the workplace.
Liaise with managers of other departments ensuring effective service and communication, i.e. sales, planning, purchasing, trading, distribution and technical.
Lead and manage according to the organisation's code of conduct.
Финансовый менеджер - Какие навыки полезны, но не обязательны?
Implement company policies and procedures in the credit risk management process. Permanently keep company's credit risk at a manageable level and take measures to avoid credit failure.
Handle customer expectations in a professional manner, anticipating and addressing their needs and desires. Provide flexible customer service to ensure customer satisfaction and loyalty.
Collect information concerning the previous transactions involving the property, such as the prices at which the property had been previously sold and the costs that went into renovations and repairs, in order to obtain a clear image of the property's value.
Observe, track and analyse financial transactions made in companies or in banks. Determine the validity of the transaction and check for suspicious or high-risk transactions in order to avoid mismanagement.
Follow up on the progress of a claim file, keep all parties informed of the status of the file, ensure the customer receives the damages owed, treat any problems or complaints from customers, close the file and give information to an authorised person or department when there is suspicion of fraud.
Analyse the bankruptcy case in order to guide guide and advise clients on the formalities, procedures and the actions that can ameliorate the losses.
Examine and document different industry contractors, in order to determine whether they comply with regulations and standards in relation to safety, environment and quality of design, construction and testing, etc.
Compile relevant data, write reports and occasionally prepare presentations to communicate information that will help the business management team to take decisions.
Implement and monitor the development of projects subsidized by regional, national or European authorities.
The different processes, duties, jargon, role in an organisation, and other specificities of the accounting department within an organisation such as bookkeeping, invoices, recording, and taxing.
Reflect on the strategic foundation of companies, meaning their mission, vision, and values in order to integrate this foundation in the performance of the job position.
Review and analyse individual and company financial data in order to produce statistical reports or records.
Principles governing business management methods such as strategy planning, methods of efficient production, people and resources coordination.
Gather information on your client's situation and calculate their premium on the basis of various factors such as their age, the place where they live and the value of their house, property and other relevant assets.
Research long term possibilities for improvements and plan steps to achieve them.
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.
Create and constantly update the database containing personal details and status of donors.
Determine whether to buy or sell financial products such as fonds, bonds or stocks in order to enhance profitability and to reach the best performance.
The financial techniques aimed at avoiding damaging financially a business and instead, protect it in its operations. It is the operation of transferring liabilities and claims to third parties that have the financial muscle and specialise in bundling and managing risks in scale.
Respond to and communicate with customers in the most efficient and appropriate manner to enable them to access the desired products or services, or any other help they may require.
Provide advice on risk management policies and prevention strategies and their implementation, being aware of different kinds of risks to a specific organisation.
Share your expertise in the evaluation process which assesses the debtor's ability, be it a government institution or a business, to pay back its debt.
The economic practise and study field that address the exchange of goods and services across geographic borders. The general theories and schools of thought around the implications of international trade in terms of exports, imports, competitivity, GDP, and role of multinational companies.
Negotiate, revise, and sign mercantile and business documents such as contracts, business agreements, deeds, purchases and wills, and bills of exchange.
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.
Inform organisations and individuals on their specific fiscal duties and the legislation and regulations involving fiscal processes, such as tax duties.
Support the development of the annual budget by producing base data as defined by the operations budget process.
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 law and legislation concerning the policies of transferring risks or losses from one party, the insured, to another, the insurer, in exchange for a periodic payment. This includes the regulation of insurance claims and the business of insurance.
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.
Administer the securities owned by the company or organisation, namely debt securities, equity securities and derivatives aiming to get the highest benefit from them.
Analyse, calculate and appraise the value of the stock of a company. Use mathematic and logarithm in order to determine the value in consideration of different variables.
Inspect the financial procedures of a government organisation which deals with budget and resource allocation and spending to ensure that no faults are being made and no suspicious activity occurs in the handling of financial accounts, and that the expenditures are compliant with financial needs and forecasts.
Act as representative of the institution, company or organisation to the outside world.
Determine whether a construction complies with laws and regulations.
Check the claim from a customer and analyse the value of the lost materials, buildings, turnover or other elements, and judge the responsibilities of the different parties.
Analyse the operations and actions of a company in order to assess their repercussions, possible risks for the company, and to develop suitable strategies to address these.
Identify and assess factors that may jeopardise the success of a project or threaten the organisation's functioning. Implement procedures to avoid or minimise their impact.
Lead events by managing budget, logistics, event support, security, emergency plans and follow up.
Plan, monitor and report on the budget.
Build a lasting and meaningful relationship with customers in order to ensure satisfaction and fidelity by providing accurate and friendly advice and support, by delivering quality products and services and by supplying after-sales information and service.
Totalise all the deductible tax collected during the quarter or fiscal year in order to fill tax return forms and claim it back to the governmental authorities for declaring taxation liability. Keep the documents and records supporting the transaction.
Manage volunteers' tasks, recruitment, programmes and budgets.
preserve a list with the debt records of clients and update it regularly
Participate in discussions with the auditors conducting inspections of the organisation's accounts and inform the managers about the results and conclusions.
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.
Maintain the liaison and exchange of information with regional or local authorities.
Establish social projects aimed at community development and active citizen participation.
Administer complaints and negative feedback from customers in order to address concerns and where applicable provide a quick service recovery.
Establish affectionate and long-lasting relationships with local communities, e.g. by organising special programms for kindergarden, schools and for dissabled and older people, raising awareness and receiving community appreciation in return.
Comply with legislation in the daily operations of a company
Manage the scheduling of procedures which aim to maximise sales objectives, such as forecasting market trends, product placement, and sales planning.
The currencies of different countries such as the euro, dollar or yen including their exchange rate and the methods of currency conversion.
Handle financial administration of your department, keep the costs down to only necessary expenses and maximise the revenues of your organisation.
Monitor and control budgets and financial resources providing capable stewardship in company management.
Organise interviews for a group of journalists in order to make an announcement or answer questions on a specific subject.
Calculate the taxes which have to be paid by an individual or organisation, or paid back by a governmental institution, compliant with specific legislation.
Prepare and deliver an understandably constructed sales talk for a product or a service, identifying and using persuasive argumentation.
The techniques and principles used to collect overdue debt from customers.
The methods and regulations involved in the process of accurate bookkeeping.
Prepare and present periodic reports on the operations, achievements, and results obtained during certain period to higher level managers and directors.
Manage the daily operations of a credit union, such as assessing its financial status and deciding on a course of action, monitoring employees, recruiting members to make investments, liaising with members, and managing the board of the credit union.
Manage employees and subordinates, working in a team or individually, to maximise their performance and contribution. Schedule their work and activities, give instructions, motivate and direct the workers to meet the company objectives. Monitor and measure how an employee undertakes their responsibilities and how well these activities are executed. Identify areas for improvement and make suggestions to achieve this. Lead a group of people to help them achieve goals and maintain an effective working relationship among staff.
The financial possibilities for funding projects such as the traditional ones, namely loans, venture capital, public or private grants up to alternative methods such as crowdfunding.
The economic influence of the government, and the workings of government revenue and expenditures.
The different processes, duties, jargon, role in an organisation, and other specificities of the financial department within an organisation. Understanding of financial statements, investments, disclosing policies, etc.
Ensure that required or requested information is provided clearly and completely, in a manner which does not explicitly withhold information, to the public or requesting parties.
Handle and control the expenditures and revenues from delivering the facilities management services and make sure the work is done within the foreseen budget.
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.
Create product policies oriented around customers.
Compile full reports of appraisals of properties, businesses, or other goods and services being appraised using all the data gathered during the appraisal and valuation process, such as financial history, ownership, and developments.
Gather information about the insurance needs of a client, and give information and advice about all possible insurance options.
Compile information on audit findings of financial statements and financial management in order to prepare reports, point out improvement possibilities, and confirm governability.
Solve bank account problems and issues of customers in the banking sector such as deblocking a bank card.
Liaise with people willing to finance the project. Negotiate deals and contracts.
Study data according to business strategies and objectives and make both short-term and long-term strategic plans.
Provide advise to those that own a property, professionals in real estate, or prospective clients in real estate on the current monetary value of a property, the potential of development in order to increase the value, and other relevant information concerning the value of the in the future developments of the real estate market.
Prepare reports which outline an organisation's likelihood of being able to repay debts and do so in a timely manner, meeting all the legal requirements linked to the agreement.
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.
Analyse, draw conclusions and present major observations from the results of market research. Suggest on potential markets, prices, target groups, or investments.
Prepare, compile and communicate reports with broken down cost analysis on the proposal and budget plans of the company. Analyse the financial or social costs and benefits of a project or investment in advance over a given period of time.
Hire new employees by scoping the job role, advertising, performing interviews and selecting staff in line with company policy and legislation.
The set of accounting standards and rules aimed at companies listed in the stock exchange which are required to publish and disclose their financial statements.
The different areas of social security provided by the government, the different rights which citizens have, which benefits are available, the rules which regulate social security and the different situations in which they apply.
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 tool used in performing fiscal financial management to identify revenue trends and estimated financial conditions.
Guarantee that employees' activities follow company regulations, as implemented through client and corporate guidelines, directives, policies and programmes.
Review on a regular basis sales and profit performance.
The processes to valuate the worth of the assets of the company and the value of the business following techniques such as asset-based approach, business comparison, and past earnings.
Factors that contribute to lower energy consumption of buildings. Building and renovation techniques used to achieve this. Legislation and procedures regarding energy performance of buildings.
Analyse all documentation related to a specific insurance case in order to ensure that the application for insurance or the claims process was handled according to guidelines and regulations, that the case will not pose significant risk to the insurer or whether claims assessment was correct, and to assess the further course of action.
Perform activities which will raise funds for an organisation or campaign, such as speaking with the public, gathering funds during fundraising or other general events, and using online fundraising tools.
The practice of managing all aspects of the image and perception of a company or individual among stakeholders and the society at large.
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.
Attend exhibitions organised to enable companies in a specific sector to demonstrate their latest products and services, study the activities of their competitors, and observe recent market trends.
The techniques used to identify fraudulous activities.
Study the contribution of the work processes to the business goals and monitor their efficiency and productivity.
Meet with clients to review or update an investment portfolio and provide financial advice on investments.
Take various factors into account to calculate the cost and potential revenues or savings gained from a product in order to evaluate the profit that could be generated by the new acquisition or by a new project.
Assess the customer's economic goals and advise on the possible financial investments or capital investments to promote wealth creation or safeguarding.
Techniques on how to identify a target audience, choose the right survey method and analyse the data.
The academic discipline and function in an organisation which focuses on the market research, market development, and the creation of marketing campaigns to raise awareness on the company's services and products.
Perform, act, and behave in a manner that inspires collaborators to follow the example given by their managers.
The different classifications of debt such as public and publicly guaranteed debt, private non-guaranteed credits, central bank deposits, etc.
The field of legal principles that govern written agreements between parties concerning the exchange of goods or services, including contractual obligations and termination.
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.
Create guidelines for a financial institution's procedures in supplying assets on credit, such as the contractual agreements which have to be made, the eligibility standards of prospective clients, and the procedure for collecting repayment and debt.
Evaluate the performance and results of managers and employees considering their efficiency and effectivity at work. Consider personal and professional elements.
Analyse the formal statements from businesses which outline their business goals and the strategies they set in place to meet them, in order to assess the feasibility of the plan and verify the business' ability to meet external requirements such as the repayment of a loan or return of investments.
Assess applications for an insurance policy, taking into account the risk analyses and client information, in order to deny or approve the application and set in motion the necessary procedures following the decision.
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.
Revise the accounting records of the quarter and year and ensure that the accounting information reflects with accuracy the financial transactions of the company.
Collect, entry, and prepare the set of financial records disclosing the financial position of a company at the end of a certain period or accounting year. The financial statements consisting of five parts which are the statement of financial position, the statement of comprehensive income, the statement of changes in equity (SOCE), the statement of cash flows and notes.
The legal rules to be applied for fire safety and fire prevention in a facility.
The set of guidelines that determine the minimum standards for buildings and other constructions in order to protect public health and safety.
Negotiate with owners of properties who wish to rent or sell them in order to obtain the most beneficial agreement for the potential renter or buyer.
Collate all the financial transactions done in the daily operations of a business and record them in their respective accounts.
The accounting method of dividing the value of an asset over its useful life for the allocation of cost per fiscal year and in parallel to decrease the value of the asset from the accounts of the company.
Read budget plans, analyse the expenditures and incomes planned during certain period, and provide judgement on their abidance to the general plans of the company or organism.
Carry out assessment and recruitment of personnel for the production.
Have an overview of the bank accounts of the company, their different purposes, and manage them accordingly while keeping an eye on their balance, interest rates, and charges.
Plan best allocation and utilisation of space and resources, or re-organise current premises.
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 handling or managing of business processes in a responsible and ethical manner considering the economic responsibility towards shareholders as equally important as the responsibility towards environmental and social stakeholders.
Generate promotional material and collaborate in the production of promotional text, videos, photos, etc. Keep previous promotional material organised.
Ensure that finished products meet or exceed company specifications.
Use appropriate questions and active listening in order to identify customer expectations, desires and requirements according to product and services.
Investigate and look for information on the creditworthiness of companies and corporations, provided by credit rating agencies in order to determine the likelihood of default by the debtor.
Provide companies and organisations with consulting services concerning their internal and external communication plans and their representation, including their presence online. Recommend improvements in communication and make sure that important information reaches all employees and that their questions are answered.
Implement the strategic business and operational plan for an organisation by engaging and delegating to others, monitoring progress and making adjustments along the way. Evaluate the extent to which strategic objectives have been achieved, learn lessons, celebrate success and recognise people’s contributions.
Conform and follow the ethical code of conducts promoted by companies and businesses at large. Ensure that operations and activities do comply with the code of conduct and ethical operations the supply chain throughout.
Provide colleagues, clients or other parties with financial support for complex files or calculations.
The component elements and principles of building construction such as types of wall construction and foundations, defects in walls and roofs and ways to address such defects.
Inform landlords or tenants of a property on the duties and rights of the landlord and tenant, such as the landlord's responsibility for the upkeep of the property and the eviction rights in the event of a breach of contract, and the tenant's responsibility to pay rent in a timely manner and avoid negligence.
Hire and train employees to increase their value to the organisation. This includes a range of human resources activity, developing and implementing policies and processes to create an employee-supportive work environment.
Initiate activities in order to attract new and interesting customers. Ask for recommendations and references, find places where potential customers can be located.
Investigate the eligibility of citizens applying for social security benefits by examining documents, interviewing the citizen, and researching the related legislation.
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.
Prepare, determine and agree on the conditions for cooperation contracts with a company, by comparing products, following evolutions or shifts in the market and negotiating terms and prices.
Draw up and handle the contract between a lessor and lessee that allows the lessee rights to the use of a property owned or managed by the lessor for a period of time.
Gather information on securities, market conditions, governmental regulations and the financial situation, goals and needs of clients or companies.
Calculate the credit limit and decide on the conditions for the repayment.
Consult relevant information sources to find inspiration, to educate yourself on certain topics and to acquire background information.
Principles of estimating and planning of forecasts for business activity, compile regular budget and reports.
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.
Receive and process payments from tenants of properties, such as residential or commercial properties, ensuring that the paid rent is in accordance with the contract and that rental fees are paid in a timely manner.
Supervise the operations of new projects relating to property development, such as renovation, re-leasing, purchasing of land, building projects, and sale of improved properties. Ensure that the operations are profitable, occur in a timely manner, and are compliant with regulations.
Start the process to file a claim for a customer or victim, based on the judgement of the damage and the responsibilities of the parties involved.
Ensure administrative systems, processes and databases are efficient and well managed and give the sound basis to work together with the administrative officer/staff/professional.
Collect information and write press releases adjusting the register to the target audience and ensuring that the message is well conveyed.
The theory and practices around the management of liquidity in a company with the aim of facilitating meeting obligations with thirds parties without compromising the smooth functioning of the company nor incurring in substantial losses.
Communicate and cooperate with advertising agencies in transmitting the goals and specifications of the marketing plan. Liaise to develop an advertising and promotional campaign that represent the aim of the marketing plan.
Establish good working relations with the owner, signal problems and renovation needs, and advise on the choice of tenants.
Outline the measurable performance indicators of the marketing plan such as market share, customer value, brand awareness, and sales revenues. Follow up on the progress of these indicators during the development of the marketing plan.
List all the items present in a property building which is leased or rented, in order to have a contractual agreement between the owner and the tenant.
The process of planning, monitoring and adjusting the expenses and revenues of a business in order to achieve cost efficiency and capability.
Send letters or make phone calls to methodically remind individuals about actions they are requested to take by a set deadline. Use a firmer tone as the due date approaches or passes. If there is an automated dunning process, make sure it runs properly.
Perform public relations (PR) by managing the spread of information between an individual or an organisation and the public.
The study of statistical theory, methods and practices such as collection, organisation, analysis, interpretation and presentation of data. It deals with all aspects of data including the planning of data collection in terms of the design of surveys and experiments in order to forecast and plan work-related activities.
Predict and manage financial risks, and identify procedures to avoid or minimise their impact.
Read, search, and analyse the political situation of a region as a source of information applicable for different purposes such as information, decision-making, and management, and investments.
Understand, abide by, and apply the statutory obligations of the company in the daily performance of the job.
Create and develop the organisational structure of a group of people working together to realise the goals of the organisation.
Manage the application process for loans from the process of interviewing the applicant and reviewing the documentation, assessing the risks, and accepting or denying the loan and ensuring compliance with the underwriting process.
The processes, techniques, and purposes comprised in the first step for developing marketing strategies such as the collection of information about customers and the definition of segments and targets.
Negotiate compromises with stakeholders and strive to reach the most beneficial agreements for the company. May involve building relationships with suppliers and customers, as well as ensuring products are profitable.
The techniques of recording and summarising business and financial transactions and analysing, verifying, and reporting the results.
Economic principles and practices, financial and commodity markets, banking and the analysis of financial data.
Evaluate and monitor the financial health, the operations and financial movements expressed in the financial statements of the company. Revise the financial records to ensure stewardship and governability.
The types of monthly sums paid to someone in retirement, such as employment-based pensions, social and state pensions, disability pensions and private pensions.
Inform existing or potential customers about the various financial goods and services that are offered by the company.
Discuss administrative matters with the previous and future tenants and inspect the rented accomodation (rooms, apartments, houses) to make sure that the renovation and maintenance agreement has been respected.
Provide information on the positive and negative aspects of a property and the practicalities concerning any financial transactions or insurance procedures; such as location, composition of the property, renovation or repair needs, the cost of the property and the costs related to insurance.
Communicate and serve as communication point with shareholders in order to provide an overview on their investments, returns, and long-term plans of the company to increase profitability.
Manage the overview of the marketing actions such as the marketing planning, internal financial resource granting, advertising materials, implementation, control, and communication efforts.
The financial infrastructure which permits trading securities offered by companies and individuals govern by regulatory financial frameworks.
Fix and schedule professional appointments or meetings for clients or superiors.
The legal rules regulating the incapacity to pay debts when they fall due.
Research and understand various internal factors that influence the operation of companies such as its culture, strategic foundation, products, prices, and available resources.
Negotiate the terms, conditions, costs and other specifications of a contract while making sure they comply with legal requirements and are legally enforceable. Oversee the execution of the contract, agree on and document any changes.
Hire new personnel for a company or organisation payroll via a prepared set of procedures. Make staffing decisions and direct selection co-workers.
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.
Oversee the selection, training, performance and motivation of staff.
Analyse expenditures to verify whether some may be classified as assets in the case where it is likely that the investment will return profit over time.
Calculate the payments made by corporations as distribution of their profit to the shareholders, ensuring that the shareholders receive the correct amount in the correct format, meaning in monetary payouts via deposits or via the issuing of further shares or share repurchase.
Monitor and assess the conditions of buildings in order to detect faults, structural problems, and damages. Assess general building cleanliness for grounds maintenance and real estate purposes.
The financial transactions recorded in accounting systems or books of a company together with the metadata linked to the entry such as the date, the amount, the accounts affected, and a description of the transaction.
Develop a method to promote a product through different channels, such as television, radio, print and online platforms, social media with the aim to communicate and deliver value to customers.
Use research techniques and tracing strategies to identify overdue payment arrangements and address them
Work with financial instruments such as stocks, bonds, mutual funds and derivatives.
Protect the standing of a public or private bank by following the guidelines of the organisation, communicating to stakeholders in a consistent and appropriate manner and by taking into account the opinions of different stakeholders.
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.
Manage, process and evaluate submitted requests for insurance in case a problem, which is covered under an insurance policy, occurs. The claim may or may not be approved, based on assessment of the circumstances.
Observe and define the elements in the corporate culture of a company in order to reinforce, integrate and shape further the codes, values, beliefs and behaviours aligned with the company's aims.
Advise public organisations such as governmental organisations on their financial operations and procedures, to ensure optimal efficiency.
Diffuse, present, and communicate business plans and strategies to managers, employees making sure that objectives, actions, and important messages are properly conveyed.
Understand the principles of insurance, including third party liability, stock and facilities.
Perform administrative tasks such as filing, typing up reports and maintaining mail correspondence.
Notify the supervisors or managers concerning the need to undertake major repairs or adjustments to the building.
The communication strategies intended to persuade or encourage an audience, and the different media which are used to achieve this goal.
Listen to the perspectives, interests, and vision of the owners of the company in order to translate those guidelines into pragmatic business actions and plans.
Organise course of action to promote a product or service; oversee the production of TV advertisements, newspaper and magazine ads, suggest mail packs, email campaigns, websites, stands and other advertising channels
Synchronise activities and responsibilities of the operational staff to ensure that the resources of an organisation are used most efficiently in pursuit of the specified objectives.
Analyse the payment capacity and credit history of potential customers or business partners.
Delegate activities and tasks to others according to the ability, level of preparation, competence and legal scope of practice. Make sure that people understand what they should do and when they should do it.
Review the documentation and gather information on the closing process of assets trading, the step in which the ownership is officially transferred from one party to another, in order to verify whether all the procedures were compliant with legislation and that all contractual agreements were followed.
Observe and analyse the stock market and its trends on a daily basis to gather up-to-date information in order to develop investment strategies.
Analyse expenditure accounts against the income and usages of different company units, companies, or organisms at large. Recommend usage of financial resources in efficient manners.
Examine and evaluate land and buildings in order to make valuations about their price.
Guarantee communication and cooperation with all the entities and teams in a given organisation, according to the company strategy.
Select claim examiners and assign them to cases, assist them and give them advice or information when needed.
The law and legislation that regulates all the different ways to handle property, such as the types of property, how to handle property disputes and property contract rules.
The processes needed to obtain goods or services before payment and when a sum of money is owed or overdue.
Lay down standard methods and guidelines to regulate bookkeeping and accounting operations, including determining the bookkeeping system used to record financial transactions.
Advise government officials on changes in tax policies and procedures, and the implementation of new policies on a national and local level.
Negotiate with asset owners or parties involved in handling the asset on the monetary value of the asset for selling, insurance, usage as collatoral, or other purposes, in order to secure the most financially beneficial agreement for the client.
Implement procedures and techniques that could help determine the level of reliability of the information in the sense of reducing risks and increasing infallibility in the decision making.
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.
Envision, plan, and develop strategies for companies and organisations aimed at achieving different purposes such as establishing new markets, refurbishing the equipment and machinery of a company, implementing pricing strategies, etc.
Obtain information on the value of properties comparable to a property which is in need of valuation in order to make more accurate appraisals and assessments, or to set or negotiate the price at which the property can be sold or leased.
Approach individuals, local authorities, commercial organisations and other actors in order to obtain sponsorship and donations for the projects of the charity.
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.
Communicate with customers to assess whether their true intentions are in line with what they claim in order to eliminate any risks from a potential agreement with the customer.
Gather all the information, analyse the variables and create reports where the detected risks of the company or projects are analysed and possible solutions are suggested as counter actions to the risks.
Initiate fundraising activities managing the place, teams involved, causes and budgets.
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.
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.
Reach out to and meet up with people in a professional context. Find common ground and use your contacts for mutual benefit. Keep track of the people in your personal professional network and stay up to date on their activities.
Plan and prepare the production of promotional materials with third parties by contacting printing companies, agreeing on logistics and delivery, and making sure that deadlines are met.
Report to the management, boards of directors and committees of an organisation.
Guarantee that the tracking and recording standards and rules for document management are followed, such as ensuring that changes are identified, that documents remain readable and that obsoleted documents are not used.
Explain technical details to non-technical customers, stakeholders, or any other interested parties in a clear and concise manner.
Create guidelines for the assessment of risks and determining whether acceptance of liability and granting payments is worth the risk for the organisation. Develop improved methods of analysis which ensure that all aspects of the underwriting process are examined.
Control the ongoing credit commitments in order to detect anomalies related to the schedules, refinancing, approval limits etc., and to identify improper disbursements.
Buy or sell tradable financial products such as equity and debt securities on your own account or on behalf of a private customer, corporate customer or credit institution.
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.
Manage the relation with an insurer related to its obligation to receive, investigate and act on a claim filed by an insured.
Execute the cost related activities and operations within the accounting activities such as standard cost development, average pricing analysis, margin and cost ratio analysis, inventory control, and variance analysis. Report the results to management and advise on possible courses of action to control and reduce the costs.
Write a contract that includes all the necessary data, such as the insured product, the payment to be made, how often the payment is needed, the personal details of the insured and on what conditions the insurance is valid or invalid.
Plan, coordinate and implement all the efforts required in a public relations strategy such as defining the targets, preparing communications, contacting partners, and spreading information among stakeholders.
Estimate damage in case of accidents or natural disasters.
Provide clients with investment advice regarding to market recommendations. This type of advice is based on trade reports.
Gather information on and apply for subsidies, grants, and other financing programmes provided by the government to small- and large-scale projects or organisations in various fields.
Negotiate with banking professionals or other parties functioning as lenders in order to negotiate the interest rates and other aspects of the loan contract in order to obtain the most beneficial agreement for the borrower.
Write project proposals to be developed by the charity organisation in order to obtain funds and grants from national or international organisations or local authorities which provide such funding.
The rules of applying mathematical and statistical techniques to determine potential or existing risks in various industries, such as finance or insurance.
Provide additional explanation and disclosure to staff, vendors, auditors, and to any other instance about the way accounts were recorded and treated in the financial records.
Manage and plan various resources, such as human resources, budget, deadline, results, and quality necessary for a specific project, and monitor the project's progress in order to achieve a specific goal within a set time and budget.
Schedule maintenance activities of property, systems and services to be deployed in public or private buildings, according to the priorities and needs of the client.
Take into account the performed financial market research and the organisation's objectives in order to develop and oversee the implementation, promotion, and lifecycle of financial products, such as insurance, mutual funds, bank accounts, stocks, and bonds.
Collaborate and perform hands-on work with other departments, managers, supervisors, and workers in different aspects of the business from preparing accounting reports, envisioning the marketing campaigns up to having contact with clients.
Perform research and analysis of the external factor pertaining to companies such as consumers, position in the market, competitors, and political situation.
The philosophical study that deals with solving questions of human morality; it defines and systemises concepts such as right, wrong, and crime.
Monitor and oversee the activities related to the ongoing sales in the shop to ensure that sales goals are met, assess areas for improvement, and identify or solve problems that customers could encounter.
The accounting standard accepted in a region or country specifying the rules and procedures to disclose financial data.
Display results, statistics and conclusions to an audience in a transparent and straightforward way.
Supervise the economy of a country and their financial institutions such as banks and other credit institutions.
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.
Exercise accounting management and abidance by generally accepted accounting conventions such as recording transactions at the current price, quantifying goods, separating personal accounts of managers from those of the company, making effective the transfer of legal ownership of assets in its realisation time, and ensuring the principle of materiality.
Sell insurance products and services to customers, such as health, life or car insurance.
Perform the evaluation and assessment of the potential of a project, plan, proposition or new idea. Realise a standardised study which is based on extensive investigation and research to support the process of decision making.
The legal rules that govern how corporate stakeholders (such as shareholders, employees, directors, consumers, etc) interact with one another, and the responsibilities corporations have to their stakeholders.
Determine the influence of economical, political and cultural risk factors and additional issues.
Manage the performance of the contractor, assess whether they are meeting the agreed standard and correct underperformance if needed.
Produce statistics on potential risks such as natural and technical disasters and production downtimes.
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.
Revise the accounting information of the company to make sure it meets the commonly agreed criteria for its disclosure such as understandability, relevance, consistency, comparability, reliability, and objectivity.
Enter data and revise the adequate maintenance of general ledgers in order to follow up on the financial transactions of the company, and other non routine transactions such as depreciation.
Establish a positive, long-term relationship between organisations and interested third parties such as suppliers, distributors, shareholders and other stakeholders in order to inform them of the organisation and its objectives.
The customer-oriented management approach and basic principles of successful customer relations that focus on interactions with customers such as technical support, customer services, after-sales support and direct communication with the customer.
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.
Finalise project accounting. Prepare an actual budget, compare the discrepancy between the planned and actual budget, and draw final conclusions.
Adopt and assume the responsibility that entails running a business, prioritising the interest of its owners, the societal expectation, and the welfare of employees.
The principles of managing the relationship between consumers and products or services for the purpose of increasing sales and improving advertising techniques.
Data communication performed through digital means such as computers, telephone or e-mail.
Calculate the reduction in the value of an asset, caused for example by damage or changes in the environment, in accordance with the legislation.
The various techniques and procedures applied to ensure that credit is given to the suitable customers and that they pay on time.
The different procedures that are used to formally request a payment for a suffered loss from an insurance company.
Analyse financial statements, financial information and the outlook of the company in order to determine the going concern of the company.
Manage the accounts and financial activities of an organisation, supervising that all the documents are correctly maintained, that all the information and calculations are correct, and that proper decisions are being made.
Give information to customers related to the grants and financing programmes attributed by the government for small and large scale projects in various fields such as the promotion of renewable energies.
Provide a broad range of financial services to clients such as assistance with financial products, financial planning, insurances, money and investment management.
Analyse the probability and size of the risk that is to be insured, and estimate the value of movable or immovable property of the client.
Financial rules and procedures applicable to a certain location, whose regulatory bodies decide on its jurisdiction
Lead and guide employees through a process in which they are taught the necessary skills for the perspective job. Organise activities aimed at introducing the work and systems or improving the performance of individuals and groups in organisational settings.
Allocate transactions on an account by matching the total value, only a part of it or a group of transactions to the original invoice, and by posting financial information such as discounts, taxes or currency exchange differences.
The principles concerning customer behaviour and target markets with the aim of promotion and sales of a product or a service.
The concept in property law which stipulates the rights and duties of two parties co-owning a property, and the various ways in which co-tenancy is possible.
Research properties in order to assess their usefulness for real estate activities, using various methods such as media research and visitation of properties, and identify the potential profitability in the development and trading of the property.
Collate and link documents such as invoices, contracts, and payment certificates in order to back up the transactions made in the accounting of the company.
Give the customer or client information about financial products, the financial market, insurances, loans or other types of financial data.
Revise and analyse financial information and requirements of projects such as their budget appraisal, expected turnover, and risk assessment for determining the benefits and costs of the project. Assess if the agreement or project will redeem its investment, and whether the potential profit is worth the financial risk.
Plan, write and collaborate in the implement business plans. Include and foresee in the business plan the market strategy, the competitive analysis of the company, the design and the development of the plan, the operations and the management aspects and the financial forecast of the business plan.
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.
The documentation and processing of data regarding financial activities.
Define all organisational tasks (time, place and order) and develop a checklist concerning the topics to be audited.
Synchronise the efforts, plans, strategies, and actions carried out in departments of companies towards the growth of business and its turnover. Keep business development as the ultimate outcome of any effort of the company.
Monitor the bundle of rights of a property and investigate all the parties involved in the current procedure, such as the transfer of a deed in the transfer of ownership of a property or the provision of all the documents serving as evidence of title, to ensure that all documentation and procedures occur according to legislation and contractual agreements.
Organise events in which prospective buyers or tenants of a property can visit the property in order to assess whether it is suitable to their needs and to obtain information, and organise plans to liaise with the prospective customers in order to secure a contract.
Identify the areas in which the client may require aid and investigate the possibilities for meeting those needs.
The elements comprised in public offerings of companies in the stock market such as determining the initial public offering (IPO), the type of security, and the timing to launch it in the market.
Coordinate, commission, and monitor operations in accounting departments in order to ensure the accurate record and eventual reporting of the financial operations of the company.
The regulations and legislation concerning the construction, maintenance and allocation of public housing facilities.
Analyse business information and consult directors for decision making purposes in a varied array of aspects affecting the prospect, productivity and sustainable operation of a company. Consider the options and alternatives to a challenge and make sound rational decisions based on analysis and experience.
Handle disputes between individuals or organisations, either public or corporate, which deal with financial matters, accounts, and taxation.
The set of rules that govern the activity of a company.
Monitor issues that arise between the parties involved in a contract and provide solutions in order to avoid lawsuits.
Take action on the goals and procedures defined at a strategic level in order to mobilise resources and pursue the established strategies.
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.
Keep track of and finalise all formal documents representing the financial transactions of a business or project.
Identify and respond to specific social problems in a community, delineating the extent of the problem and outline the level of resources required to address it and identifying the existing community assets and resources that are available to address the problem.
The trends and major driving factors in the insurance market, insurance methodologies and practices, and the identification of the major stakeholders in the insurance sector.
The various types of risk or loss transfer policies that exist and their characteristics, such as health insurance, car insurance or life insurance.
Organise a damage assessment by indicating an expert to identify and examine the damage, give information and instructions to experts and follow up on the experts, and write a damage report.
Convert market requirements into product design and development.
Report on the outcomes of the market research, main observations and outcomes, and notes helpful for analysing the information.
Gather, assess and represent data about target market and customers in order to facilitate strategic development and feasibility studies. Identify market trends.
Communicate in a positive and cooperative manner with the tenants of a property or part of a property, such as apartments and sections of commercial buildings, in order to facilitate efficient procedures in terms of rent and other contractual agreements as well as to ensure their satisfaction.
Inform clients on the different types of bank accounts offered by the financial institution or commercial bank. Recommend or provide advice on the type of bank account that would be the most beneficial for the client.