Клиентский менеджер банка — работа в Финляндии
Relationship banking managers retain and expand existing and prospective customer relationships. They use cross-selling techniques to advise and sell various banking and financial products and services to customers. They also manage the total relationship with customers and are responsible for optimising business results and customer satisfaction.
Клиентский менеджер банка - Какие навыки обязательны?
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.
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.
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.
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.
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.
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.
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.
Assess the customer's economic goals and advise on the possible financial investments or capital investments to promote wealth creation or safeguarding.
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.
Use appropriate questions and active listening in order to identify customer expectations, desires and requirements according to product and services.
Initiate activities in order to attract new and interesting customers. Ask for recommendations and references, find places where potential customers can be located.
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.
The financial infrastructure which permits trading securities offered by companies and individuals govern by regulatory financial frameworks.
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.
Explain technical details to non-technical customers, stakeholders, or any other interested parties in a clear and concise manner.
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.
Provide a broad range of financial services to clients such as assistance with financial products, financial planning, insurances, money and investment management.
Financial rules and procedures applicable to a certain location, whose regulatory bodies decide on its jurisdiction
Give the customer or client information about financial products, the financial market, insurances, loans or other types of financial data.
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.
Клиентский менеджер банка - 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.
Principles governing business management methods such as strategy planning, methods of efficient production, people and resources coordination.
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.
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.
Guarantee that employees' activities follow company regulations, as implemented through client and corporate guidelines, directives, policies and programmes.
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.
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.
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.
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.
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.
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.
Work with financial instruments such as stocks, bonds, mutual funds and derivatives.
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.
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.
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.
Display results, statistics and conclusions to an audience in a transparent and straightforward way.
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.
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.
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 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
- Финансовый консультант
- Управляющий отделением банка
- Руководитель страхового агентства
- Кредитный менеджер
- Казначей банка
- Управляющий инвестиционным фондом
- Инвестиционный менеджер
- Менеджер по работе с клиентами банка
- Руководитель кредитного кооператива
- Менеджер по управлению корпоративными рисками
- Менеджер по связям с инвесторами