在美國,金融碩士 msf 學(xué)生畢業(yè)后會在各行各業(yè)從事金融方面的工作,下面就根據(jù)美國勞工統(tǒng)計局公布的信息,主要從職位類型、公司類型、薪資情況三方面介紹美國金融碩士的就業(yè)情況

一職位名稱

1.會計師和審計師﹙ accountants an auitors﹚

accountants keep track of the money that an iniviual or business earns an spens. using computer software,accountants analyze spening habits an may offer avice on how to buget .money more efficiently. they also prepare an submit financial paperwork to government regulators

auitors are employe by businesses to evaluate the accuracy of an accountant‘s work. they also review financial ecisions for accuracy an legality an report their finings to investors an legal authorities

會計師主要是幫助個人或企業(yè),記錄其收入和支出情況。并使用計算機(jī)軟件分析消費(fèi)習(xí)慣,就如何更有效的預(yù)算資金提供建議。他們也會幫助個人或企業(yè)準(zhǔn)備和提交需向政府監(jiān)管機(jī)構(gòu)提交的財務(wù)文件。

審計師—般受雇于企業(yè),幫其評估會計師工作的準(zhǔn)確性,他們還會幫助審查財務(wù)決策的準(zhǔn)確性和合法性并把結(jié)果告知投資者和相應(yīng)機(jī)構(gòu)。

2.房地估價師或評估師﹙ appraisers an assessors of real estate﹚

the uties of these workers involve etermining the financial worth of lan,structures,an neighborhoos real estate appraisers inspect properties an verify escriptions of real estate in the public recor,there are two types of appraisers: commercial an resiential.

commercial appraisers value .properties use for business purposes,such as office builings an retail space,while resiential appraisers o so for housing properties、assessors usually work for local governments an value neighborhoos for tax purposes. they use computer programs to apply mathematical formulas that apprise large numbers of properties at once

他們的職責(zé)主要是確定土地、建筑和居民區(qū)的金融價值房產(chǎn)估價師主要是檢查房產(chǎn)的所有權(quán),驗證房產(chǎn)描述是否符合實際情況。分兩種類型:商業(yè)和住宅。商業(yè)估價人員估價的房產(chǎn)是用于商業(yè)用途如寫字樓和零售空間而住宅估價人員估價的是住房房產(chǎn)。

評估師通常就職于地方政府,以稅收為目的去評估居民區(qū)的價值。他們把同時得到的大量房產(chǎn)用計算機(jī)程序變成數(shù)學(xué)公式

3.預(yù)算分析師﹙ buget analysts﹚

businesses,schools,governments,an other organizations employ buget analysts for financial avice. using computer software,buget analysts review cost an revenue ata an recommen spening levels. they also ensure that an organization s bugets are accurate an complete an meet all legal requirements. throughout the fiscal year,buget analysts oversee spening an make recommenations to approve or isapprove spening requests. in their oversight role,analysts ensure that organizations ahere to their financial plan

企業(yè)、學(xué)校、政府或其他機(jī)構(gòu)都會雇傭預(yù)算分析師,以尋求財務(wù)建議。預(yù)算分析師運(yùn)用計算機(jī)軟件審查成本和收入數(shù)據(jù),就支岀水平給出建議。他們會確保這個機(jī)構(gòu)的預(yù)算是準(zhǔn)確、完整的和合法的預(yù)算分析師會監(jiān)督整個財政年度的支出,并審核支出是否有必要。還要站在監(jiān)督者的角度,確保機(jī)構(gòu)的財務(wù)計劃能進(jìn)行下去

4.信貸分析師﹙ creit analysts﹚

banks an other lening institutions employ creit analysts to etermine the risk involve in making loans to iniviuals an businesses. using computer software,creit analysts evaluate an applicant s creitworthiness an recommen whether leners shoul offer the applicant a loan creit analysts also prepare etaile reports of iniviuals or businesses creit histories for creit bureaus an loan officers

銀行和其他放貸機(jī)構(gòu)雇傭信貸分析師來幫其判定個人或仝業(yè)貸款所涉及的風(fēng)險。信貸分析師運(yùn)用計算機(jī)軟件評估申請人的信用等級,并建議銀行是否應(yīng)該為申請人提供貸款。信貸分析師也會幫助個人或企業(yè)準(zhǔn)隹備詳細(xì)的信用記錄,用于提供給信用機(jī)構(gòu)和信貸員。

5.信貸顧問﹙ creit counselors﹚

creit counselors avise iniviuals an businesses about getting loans,setting financial goals,an managing ebt. on the basis of their client‘s financial goals,creit counselors recommen ifferent types of loans an payment plans to help with ebt re payment an to ensure that clients get the best loan possible,some creit

counselors negotiate the an s terms an payment plans with leners 信貸顧可會就個人或企業(yè)是否貸款給岀建議幫其設(shè)置財務(wù)目標(biāo)和管理債務(wù)。信貸顧問會根據(jù)客戶的財務(wù)目標(biāo)推薦不同類型的貸款,并就償還債務(wù)給出不同的計劃為確保客戶得到最好的貸款可能,些信貸顧可還要和放款人協(xié)商貸款條件和還款計劃

6.金融分析師﹙ financial analysts﹚

financial analysts consier an iniviual s or business financial goals an provie investment avice consistent with those goals. they typically specialize by inustry,region,or prouct. for example,a financial analyst specializing in investment by region may stuy economic trens in asia,such as those in china or inia using computer software,financial analysts stuy economic trens,historical ata,an financial statements. they write reports for senior managers an clients to support investment

金融分析師為個人或企業(yè)的財務(wù)目標(biāo)提供合理的投資建議。他們通常由行業(yè)、地區(qū)或產(chǎn)品來分類。例如個從事地區(qū)投資的金融分析師,可能就會專門硏究亞洲的經(jīng)濟(jì)趨勢,像是中國的,或者印度的。金融分析師運(yùn)用計算機(jī)軟件,硏究 經(jīng)濟(jì)趨勢考查歷史數(shù)據(jù),做財務(wù)報表。為高級經(jīng)理寫報告,給客戶合理的投資建議。

財務(wù)審查員﹙ financial examiners﹚ financial examiners review balance sheets,revenue an spening ata,an loan ocuments an prepare reports about a bank s or an organization s financial conition financial examiners also review government policies an may issue guie lines to help institutions comply with new regulations

財務(wù)審查員會審查資產(chǎn)負(fù)債表收入和支出數(shù)據(jù),并幫助銀行或機(jī)構(gòu)準(zhǔn)備貸款文件和財務(wù)狀況報告財務(wù)審查員也要熟悉政府政策,給出指導(dǎo),確保機(jī)構(gòu)遵守新的規(guī)定。

8.保險承保人﹙ insurance unerwriters﹚

insurance unerwriters evaluate applications for life insurance,health insurance,an property an casualty insurance. to ecie whether to provie coverage,they analyze an applicant‘s risk an recommen how much insurance to provie an how much to charge for

保險承保人評估申請人壽保險健康保險財產(chǎn)和意外保險的申請者。為決定保險的承擔(dān)范圍,他們要分析申請人的風(fēng)險,并就提供多少保險,收多少費(fèi)給出建議

9.信貸員﹙ loan officers﹚

loan officers ecie whether to approve or eny loans. they review the loan applications of iniviuals an businesses an gather relevant financial ocuments to make recommenations loan officers often are responsible for guiing borrowers through thelening process. some loan officers specialize in loan collection,which eals with borrowers who o not make their payments on time 信貸員決定是批準(zhǔn)還是拒絕貸款。他們審查個人和企業(yè)的貸款申請收集相關(guān)財務(wù)文件,并給出建議。信貸員通常的職責(zé)是在貸款過程中給借款人做岀指導(dǎo)。一些信貸人員專門就職于追債公司,處理借款人不按時還款的問題

10.個人理財顧問﹙ personal financialavisors﹚

these workers prepare financial plans for iniviuals an businesses to help these clients reach financial goals. they assess the client‘s financial status an present ifferent options for investing money,buying insurance,an funing retirement proucts avisors meet with clients perioically to make sure that their earnings,savings,an investments are on track.

人理財顧問主要是為個人和企業(yè)做出理財規(guī)劃,幫助客戶達(dá)到財務(wù)目標(biāo)。他們會評估客戶的財務(wù)狀態(tài)，會就客戶投資理財、購買保險或者退休基金產(chǎn)品等不同的投資選擇做出評估顧問定期會與客戶見面,以確保他們的收入、儲蓄和投資過程已經(jīng)步入正軌。

11.稅收審查員;稅務(wù)官員﹙ tax examiners an collectors,an revenue agents﹚

tax examiners an revenue agents are employe by feeral,state,an local governments for help with collecting taxes. they review tax returns,conuct auits,an ientify taxes owe collectors trackown taxpayers who owe money on their tax accounts. they also may help taxpayers set up a plan to settle their ebt over time

稅收審查員受雇于聯(lián)邦、州和地方政府,幫助其收稅。他們審查妠稅申報表,進(jìn)行審核,并確定稅款。收稅人追睆那些稅賬戶欠錢的納稅人。他們也會幫納稅人解決他們通期的債務(wù)問題。

12.稅務(wù)代理人﹙ tax agents﹚

tax agents help iniviual an small-business clients complete an file their tax returns. many tax agents meet with clients regularly to assist with tax planning.

稅務(wù)代理幫助個人或者中小企業(yè)客戶完成納稅申報和準(zhǔn)備文件，代理人會定期與客戶見面，協(xié)助其稅收規(guī)劃

13.其他,如:金融定量分析師﹙financial quantitative analysts﹚;風(fēng)險管理專家﹙risk management specialists﹚等

financial quantitative analysts evelop proucts for iniviuals an financial institutions to use when making ecisions about lening,borrowing,saving,investing,an managing risk. risk management specialists help businesses ientify ways to minimize operational an relate risks.

an frau examiners,investigators,an analysts gather evience,prouce reports,an testify in court about suspecte cases of improper financial activity

金融定量分析師需要開發(fā)產(chǎn)品,這些產(chǎn)品主要用于個人或金融機(jī)構(gòu)在貸款借貸,儲蓄投資和管理風(fēng)險等需要做決定的時候。風(fēng)險管理專家主要幫助企業(yè)尋攏夆低運(yùn)營和相關(guān)風(fēng)險的方法。欺詐審查員,調(diào)查人員和分析師主要是為—些疑似不正當(dāng)?shù)慕鹑诨顒影讣?收集證據(jù),制作報告,用于法庭證據(jù)。

二、公司類型

金融就業(yè)涵蓋行業(yè)和機(jī)構(gòu),主要包括銀行、信托證券、投行 基金風(fēng)投、保險和抵押貸款公司和信用卡公司等

此外,一些金融專業(yè)從業(yè)者也會選擇自主創(chuàng)業(yè),美國勞工統(tǒng)計局?jǐn)?shù)據(jù)顯示,房地產(chǎn)估價師和顧問稅務(wù)代理自主創(chuàng)業(yè)的個人財務(wù)顧可也占就業(yè)行業(yè)相當(dāng)高的比例

不過,一些崗位就業(yè)的選擇十分有限,例如:保險承運(yùn)人。主要受雇公司為保險公司或經(jīng)紀(jì)公司。

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