재무 분석가

클립보드 아이콘
퍼즐 아이콘
Related roles: Analyst, Credit Products Officer, Equity Research Analyst, Financial Analyst, Investment Analyst, Planning Analyst, Portfolio Manager, Real Estate Analyst, Securities Analyst, Trust Officer


비슷한 제목

Analyst, Credit Products Officer, Equity Research Analyst, Financial Analyst, Investment Analyst, Planning Analyst, Portfolio Manager, Real Estate Analyst, Securities Analyst, Trust Officer

작업 설명

They say it takes money to make money and investing is the most common way of doing that. From stocks and bonds to real estate and cryptocurrencies, investing is one of the most tried-and-true methods of earning profits over the long run. However, it’s also inherently risky since markets fluctuate all the time due to factors impacting companies and the economy as a whole. There are zero guarantees of reaping a return on investment, and it’s entirely possible to lose all your money. 

That’s why savvy investors turn to Financial Analysts who can advise them on strategies that are right for their budget, goals, risk tolerance, and timelines. Financial Analysts study how stocks, real estate, and other investment types are doing, then try to predict future performance. Because there are so many human elements in the equation, such analysis is as much an art as it is a science. 

Generally speaking, Financial Analysts focus on either the “buy-side” (for hedge funds, insurance companies, pension funds, and big companies with large amounts of capital to invest) or the “sell-side” (for financial services sales agents selling investment options). Some work strictly for media and research employers who aren’t involved in buying or selling. They may specialize in particular regions, industries, or products. 

Financial Analysis is a broad career field to break into! The term Financial Analyst encompasses financial risk specialists, fund and portfolio managers, investment analysts, ratings analysts, and securities analysts. Each role varies in duties and scope of responsibility, but they’re all tied to the dynamic field of financial analysis.

경력의 보람있는 측면
  • Helping employers earn profits used to benefit companies or individuals
  • Being part of the world of investing, which has economic impacts on every person on Earth
  • Learning how equities (stocks), bonds, real assets (real estate, commodities like gold, oil), and cryptos function as investments 
2021 고용
2031년 예상 고용
인사이드 스쿱
직무 책임

근무 일정

Financial Analysts work typical day schedules, with overtime or evening work necessary depending on client needs. Work is usually indoors, with some travel needed from time to time.  

일반적인 의무

  • Review client financials (income statements, balance sheets, cash flow) to assess their capital needs, investment budgets, and risk tolerance 
  • Consider investment types and portfolios to recommend to clients
  • Suggest investment remedies, debt restructuring, refinancing, and other fixes to an employer’s financial problems
  • Prepare reports and presentation materials with explanatory graphics to help clients understand options
  • Study companies whose stocks might be potentially good investments. Conduct site visits, as needed
  • Evaluate historical real estate sales data to forecast if a property is a viable investment 
  • Utilize financial models and programs to aid with developing investment strategies
  • Pay attention to local, national, and global economic and business trends
  • Prepare and execute approved action plans for financial investments, transactions, and deals
  • Work with investment bankers, accountants, PR staff, attorneys, and other relevant parties
  • Evaluate existing investment performance and recommend adjustments or sales
  • Seek out new opportunities to diversify, boost potential profits, and mitigate risk
  • Compare securities in various industries 
  • Analyze data regarding prices, yields, and stability
  • Collaborate as needed with governmental agencies. Ensure compliance with regulations and laws
  • Help clients understand tax implications of investments

추가 책임

  • Stay up-to-date by reading financial publications
  • Find “green” investment opportunities 
  • 필요에 따라 신규 고객 유치를 위한 서비스 홍보
  • Train and mentor new analysts
직업에 필요한 기술

소프트 스킬

  • 능동적 인 듣기
  • 적응성
  • 분석
  • 규정 준수 지향
  • 비판적 사고
  • 디테일 지향
  • 징계
  • 재정적 통찰력
  • 끈기
  • 고집 
  • 설득
  • 계획 및 조직
  • 문제 해결 능력
  • Skepticism
  • 건전한 판단 
  • 강력한 의사 소통 기술
  • 팀워크
  • 시간 관리 

기술 능력

  • Math and accounting skills
  • Strong understanding of economics and investments
  • Familiarity with applicable laws governing the securities industry같은: 
    • Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
    • Investment Advisers Act of 1940
    • Investment Company Act of 1940
    • Jumpstart Our Business Startups Act of 2012
    • Sarbanes-Oxley Act of 2002
    • Securities Act of 1933
    • Securities Exchange Act of 1934
    • Trust Indenture Act of 1939
  • Analytical software such as SAS, MATLAB, Spotfire, QlikView, Tableau, and MicroStrategy
  • Other digital tools including Excel, SQL, VBA, Python, and R
다양한 유형의 조직
  • 은행
  • Credit intermediation services
  • Financial investment companies
  • 보험 회사
  • Pension funds
  • 민간 기업 및 기업
  • Real estate brokerages
기대와 희생

Investors rely heavily on the expertise of their Financial Analyst teams. Sound investments can equal long-term profitability and stability, which often translates to ongoing work for a company’s employees. Bad investments might cause a business to suffer significant financial losses, leading to downsizing, worker layoffs, or even bankruptcy. 

Expectations run high and Financial Analysts must work hard to conduct thorough research and create accurate models to forecast the best investments for their clients’ needs. As Zippia points out, “while financial analysts are usually paid well, it comes at the cost of a healthy work-life balance in many cases.” Potentially long hours and the stress from so much pressure causes some analysts to experience burnout. 

현재 동향

The economy has been seeing turbulent times, with investors riding a rollercoaster as stocks, mutual funds, ETFs, real estate, and crypto prices have fluctuated in unpredictable ways. Such volatility is the opposite of what most Financial Analysts want to see when it comes to wealth building, yet there haven’t been many safe harbors lately. There are relatively safe options such as savings accounts, bonds, treasury bills, and similar items, but the return on such low-risk investments may not even keep up with inflation. Meanwhile, some analysts do suggest taking advantage of lowered stock prices, advocating a “buy the dip” strategy while stocks are “on sale.” 

The digitalization of currency has become a growing trend, with plenty of investors viewing cryptocurrencies and NFTs (non-fungible tokens) as an intriguing alternatives to traditional investment vehicles. Indeed, venture capitalists alone sank over $33 billion in crypto and blockchain in 2021. Meanwhile, trading apps have utterly revolutionized how everyday people trade, which in turn impacts the overall market greatly. 

이 직업에 종사하는 사람들은 어렸을 때 어떤 종류의 일을 즐겼습니까?

Financial Analysts may have always enjoyed learning about money, how it works, and how it can be used to make even more money! Growing up, they might have been entrepreneurs who launched their own side hustles online or in-person. They could have enjoyed playing around with stocks and cryptos, trading via mobile apps and engaging in online forums. It’s possible they liked math, finance, economics, and programming classes in school. Others might have come to them for help or advice about investments, leading them to realize they could turn their skills into a well-paid profession one day! 

교육 및 훈련 필요
대학에서 찾아야 할 것들
  • Try to decide early on if you plan to pursue a master’s or not. It may be easier to complete both your bachelor’s and master’s at the same school
  • 수업료, 할인 및 지역 장학금 기회 비용을 고려하십시오 (연방 지원 이외에)
  • 캠퍼스 내, 온라인 또는 하이브리드 프로그램에 등록할지 여부를 결정할 때 일정과 유연성에 대해 생각하십시오.
  • 프로그램의 교수진 상과 업적을 확인하여 그들이 무엇을 했는지 확인하십시오.
  • 취업 알선 통계 및 프로그램의 동문 네트워크에 대한 세부 정보를 검토하십시오. 
고등학교와 대학에서해야 할 일
  • Consider applying for part-time jobs in accounting or finance
  • Study hard in math, finance, economics, statistics, business, physics, and computer science/programming classes
  • Volunteer for student activities where you can manage money and learn practical soft skills
  • Learn about the various types of Financial Analyst roles, such as financial risk specialists, fund and portfolio managers, investment analysts, ratings analysts, and securities analysts
  • Review job postings in advance to see what the average requirements are. If you know which company or employer you want to work for, ask to schedule an informational interview with one of their working analysts to learn more about their jobs and their clients’ needs
  • Seek out internships and cooperative experiences in college
  • Keep track of the names and contact info of people who might serve as future job references 
  • Study books, articles, and video tutorials related to different types of investing. Participate in online discussion groups that are realistic and grounded in actual analysis 
  • Consider if you want to specialize in a particular region, industry, or investment type so you can tailor your education accordingly
  • 전문 조직과 협력하여 배우고, 공유하고, 친구를 사귀고, 네트워크를 성장시키십시오(리소스 > 웹사이트 목록 참조).
  • Knock out any relevant certifications as soon as you can to bolster credentials and make you more competitive in the job market
  • 이력서 초안 작성을 일찍 시작하고 진행하면서 계속 추가하여 아무 것도 놓치지 않도록 하십시오.
일반적인 로드맵
Financial Analyst Roadmap
1차 직장에 입지를 잡는 방법
  • Get some practical work experience under your belt before applying, if possible. Jobs related to finance, accounting, and business will look good on an application 
  • A master’s isn’t needed to get started working in this field, but a graduate degree may put you ahead of the competition
  • 구직 중이라는 사실을 네트워크에 알리세요. 대부분의 일자리 기회는 실제로는 개인적인 인맥을 통해 발견됩니다.
  • 다음과 같은 채용 포털을 확인해 보세요. Indeed, 심플리 하이어드, 및 Glassdoor뿐만 아니라 취업에 관심이 있는 회사의 채용 페이지도 살펴보세요.
  • 광고를 신중하게 선별하고 자격을 갖춘 경우에만 신청하세요.
  • Finance-related apprenticeships or cooperative experiences can help get your foot in the door. They look great on resumes plus may yield some personal references for later
  • Reach out to working Financial Analysts to ask for job-seeking tips
  • Move to where the most job opportunities are! The states with the highest employment level for Financial Analysts are New York, California, Texas, Illinois, and Florida
  • 많은 대기업이 지역 프로그램 졸업생을 채용하므로 대학 프로그램이나 커리어 센터에 문의하여 채용 담당자 및 취업 박람회와의 연결에 도움을 요청하세요.
    • 커리어 센터는 이력서 작성과 모의 면접에 대한 지원도 제공합니다. 모의 면접!
  • 전직 교사 및 상사에게 추천인 역할을 해줄 수 있는지 미리 물어보세요. 허락 없이 연락처 정보를 기재하여 상대방의 방심을 사지 마세요.
  • Make an account on Quora to ask job advice questions from workers in the field
  • Check out Financial Analyst resume templates to get ideas 
  • 모든 고용주에게 동일한 이력서를 보내는 대신 지원하려는 직무에 맞게 이력서를 맞춤 설정하세요.
  • List all education, skills, training, and work history on your resume, including stats on return on investments (if applicable) 
  • 전문 이력서 작가나 편집자에게 이력서 초안을 작성하거나 검토를 받는 것이 좋습니다. 
  • Financial Analyst interview questions to prepare for those interviews 
  • Dress appropriately for job interview success! 
사다리를 오르는 법
  • Consistently earn your employers/clients a strong return on investment and build them portfolios that can weather economic storms 
  • Work extra hours as needed, to ensure you’re doing your best for those who’ve entrusted you with their funds 
    • Take your responsibilities for handling other people’s money seriously
    • Understand and comply with all legal and ethical requirements 
    • Utilize the most up-to-date programs and techniques to maximize returns 
  • Learn as much as you can about the various aspects of financial analysis, while also specializing in your chosen field 
  • Expect to start out in entry-level roles then work your way up to positions of greater responsibility, such as portfolio manager or fund manager
  • Get your FINRA license as soon as you are able, and obtain advanced certificates when you have enough work experience 
  • If you don’t already have a master’s, consider doing an MBA program at night while working
  • Let your manager know when you’re ready to tackle more or larger projects 
  • Collaborate effectively on teams, stay level-headed and focused, and demonstrate leadership when opportunities arise
  • 전문 조직에 참여하여 네트워크 확장
계획 B

Working as a Financial Analyst can be stressful at times, especially when the economy is rocky and it is tougher to earn good return on investments. Oftentimes, analysts get blamed for results based on factors far beyond their control. A few related occupations to consider, per the Bureau of Labor Statistics, include: 

  • 예산 분석가
  • 재무 관리자
  • 보험 보험업자
  • 개인 재무 설계사
  • 증권, 상품 및 금융 서비스 판매 대리점

또한, O*넷 온라인 에는 아래와 같은 관련 필드가 나열되어 있습니다:

  • Credit Analyst
  • Financial Risk Specialist 
  • Investment Fund Manager

뉴스 피드

온라인 과정 및 도구