For full text article go to : http://www.educorporatebridge.com/banking/banking-jobs/ Banking jobs can be exciting and provide great prospects for learning about business interfaces and building up clients. If you are well prepared and passionate about getting into this field you would find variety of jobs open for you. Read on and find for yourself if you have all that this job demands.

1. Banking Jobs
~ By edu CBA

2. Banking overview
• Bank is a institution whose business is to take deposits from individual
and institutional investors and then extend that money as loans to
customers. They make money by charging higher interest on the loan
they provide than the interest they give on deposits they collect.
• For a long period banks were involved in their traditional business
operations where the banking jobs were well-defined and stable, but
after deregulation it saw drastic changes with entry of aggressive
private and foreign banks.
• This has enabled the industry to explore various avenues and diversify
them. Due to which good number of banking jobs are available

3. Types of Banking Jobs
Corporate Banking:
• This majorly encompasses lending to corporations who meet their funding requirements
(long term as well as working capital) through loans.
• Jobs here include that of relationship management, wherein the key tasks include
analyzing the financials of the client along with the risks involved, finding out the
nature and amount of loan required, and after the loan has been given tracking the
performance of the company.

4. Retail Banking
• This division of banking deals with customers directly
rather than business or other banks.
• Typically the jobs include customer services, branch
operations and product development.
Treasury and Asset Management
• In order to manage their liquidity, foreign exchange and
interest rate risks all commercial banks have the treasury
department.
• While hiring banks look for candidates who have deep
understanding of financial systems, foreign exchange
management, risk management and economics.

5. Skills required in Banking Jobs
Business
know- how
People/Interpersonal
skills
Long banking
hours
MBA is
optional
Work EthosAccounting and
Writing skills

6. Credit Analyst
• This is usually the entry level job in
banking, wherein they are
supposed to evaluate the financial
position of those applying for
loans. They thoroughly scrutinize
the financial information of the
potential individuals and
companies.
• They also forecast the future
financial position of the loan
applicant in order to gauge if they
would be in a position to pay back
the extra liability.
Loan Officer
• They generate business for the bank by
bringing in customers for loans.
• Hence it is quite obvious that this requires
good selling skills and a firm
understanding of banking.
Career tracks in Banking
Branch Manager
• They are responsible for making sure if all
the aspects of bank are running smoothly.
• They have to be very well versed with the
functions of banking, possess solid
leadership skills, resolve customer issues,
be empathetic and highly ethical.

7. Salaries for Bankers
• The salary packages are decided on your education background and the skills that you
possess.
• For banking graduate who is a fresher the pay scale could vary from anything between INR
10,000-20,000 per month at the start.
• For post graduates the pay scale would go a bit higher, again depending upon the college
where you pursued your degree from. If you have completed it from top notch B-schools
or banking institutions you could expect up to INR 8 lakhs per annum for the position of
relationship officer.
• Nevertheless these figures could fluctuate depending upon the state economy is in and
individual skills and talent.
• In case of applying for public sector bank jobs the salary structure is mentioned in the
details along with the position details.

8. Ways to get Banking Jobs
• Students who hold a B.COM degree can get placed as sales executive from insurance,
loans.
• If you are from one of the “Tier-1 College” such as the IIM’s you could get placed at
banks abroad such as the JPMorgan Chase, Fidelity etc.
• You could complete a course in banking and be offered a job as a sales officer with
private banks provided you possess the banking know-hows and required
interpersonal skills.
• In order to apply for public sector banking jobs, Institute of Banking Personnel
Selection (IBPS) conducts common written examinations (CWE) for posts like
Probationary Officer (PO), Clerk/Cashier and Specialists officer. Job vacancies by them
are advertised in newspapers so that it reaches everyone.
• Private sector banks usually pick up candidates through college campus, walk-ins,
referrals and HR consultancy firms. You could directly apply at their websites career
page, where you would have to fill in some details and submit your resume.

10. • Have in-depth knowledge in accounting and financial skills.
• Exhibit mathematical aptitude to impress the interviewers.
• Do not beat around the bush and when you display your skills
always try and explain it quantitatively.
• Be dressed formally, speak boldly and smile no matter how nervous
you are.
• When you speak you need to assure the interviewers that you have
no troubles in working extra hours, and like daily challenges.
Guidelines for Getting Hired

11. Knowledge is like a line
with no ends…
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