Job Research (Job 1)
Assistant Credit Analyst/Credit
Officer
Group 1
A. General Job Nature
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Evaluate and process applications for credit
or loans in a commercial bank
Prepare reports on credit ratings of customers
Prepare statements of overdue accounts
General Job Nature:(Cont’)
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Provide support in credit underwriting and
assessment
Assist in promoting financial services to
customers
Provide administrative support to the Credit
Managers in their credit approval process,
including information collecting
B. Basic Skills and Specific
skills
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To be assistant credit analysts, we should have some
basic skills like the following:
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Highly motivated with exceptional analytical
skills
Good English skills
Look for ways to help people.
Inspect and evaluate the quality of products.
Express ideas clearly when speaking and
writing.
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Check how well one is learning or doing
something.
Judge the costs and benefits of a
possible action.
Choose a mathematical method or
formula to solve problems.
Listen to others and ask questions.
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Add, subtract, multiply, and divide quickly
and correctly.
Be aware of others' reactions and
understand the possible causes.
Identify problems and review information.
Analyze options and apply solutions.
Read and understand work-related
materials.
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The specific skills are:
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Knowledge of computer hardware and
software
Judgment and Decision Making
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Weighing the relative costs and benefits of a
potential action
Problem Identification

Identifying the nature of problems
(The specific skills )
 Active Listening
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Reading Comprehension
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Listening to what other people are saying and
asking questions as appropriate
Understanding written sentences and
paragraphs in work-related documents
Information Gathering
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Knowing how to find information and
identifying essential information
C. The Expected Career Path

Credit Officer
 Credit Analyst
 Senior Credit Analyst
 Department Manager
D. The Reasonable Salary

Credit Analyst (3-6 yrs)
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15-18k (0-1 yr.of exp)
18-30k (2-4 yr )
30k + (5 yrs + )
Credit / Loan Officer (0-3 yrs)
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15k (0-1 yr )
15-20k (2-4 yr )
20-25k (5 yrs + )
Job Research (Job 2)
Equity Research Analyst in an
Investment Bank
Group 1
General job nature of an equity
research analyst
Aid investors in their decision-making
process
 Analysis industry trend
 Conduct detailed company-specific
financial analysis
 Communicate to the clients
 Evaluate the impact of trends such as
changes in the industry

Case
1:
Merrill
Lynch
 Participate in all aspects of equity research
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analysis
Interpret data
Analyze financial statements and regulatory
filings
Meet with sell-side analysts and company
management teams
identify mid cap/small cap investment
opportunities
Evaluate potential investments and monitor
existing holdings
Case 2: SmithBarney citigroup
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1.
2.
3.
4.
5.
Basic Skills:
Analytic skill
Interactive skill
Teamwork building skill
Strong financial background/working
experience
Strong business sense and macroeconomic
view
Case 1: Citigroup
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“Our Equity Research team is recognized
for its expert in-depth analysis, creating
unique ways to evaluate the companies
they analyze.”
 Analytic skill
 Teamwork building skill
Case 2: Smith Barney citigroup
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“Prior to this position, candidates are at a preference if he
were an Investment Banking Analyst in the Financial
Institutions Group as well.”
 Sophisticated working experience in financial filed
 Analytical skill
 Macroeconomic view and sense required for the
preparation of portfolios.
 Interactive and teamwork building skills
 Professional knowledge: M &A
Case 3: Merrill Lynch
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“The position requires a solid background in economics,
finance, accounting, and statistics. Previous experience in
mid cap/small cap equity analysis required. A Master's
Degree in business administration and progress toward the
C.F.A designation desired. Ability to communicate
effectively with the investment professionals and
willingness to participate in a dedicated team effort.”
 Related working experience
Qualifications like MBA and or CFA
 Interactive skill
 Teamwork building skill
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Case
4:
Bank
One
“Candidates are preferred of having ability to model and
forecast earnings based on conversations with company
management as well as a review of applicable financial
statements. Stock selections are then made within the
sector.
Most importantly, the candidate should have prior
experience in analyzing and selecting stocks for inclusion
in mutual funds.”
Macroeconomic view to forecast industry trend.
Strong financial knowledge: stock selection.
 Related working experience
 Strong analytical skill
Specific skill:
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1. Candidates require of at least 2 years of
working experiences in the Latin America’s
equity.
2. Candidates must have a certain degree of
knowledge and sense about the equity market in
the emerging market.
3. Candidates need to speck fluently of the local
languages: Spanish, Portuguese.
Salary of an analyst:
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Typically hired directly out of top
undergraduate universities
In New York, salary often begins for firstyear analysts at $45,000 to $55,000 per
year, with an annual bonus of
approximately $30,000.
The End
&
Thank You