Who is a financier and what does he do?

The choice of a future profession is one of the most important decisions in our life. At the time of determining your career path, you should pay special attention to several key factors: individual inclinations and abilities, personal interests, the demand for a particular field of activity, and much more.

The professions related to finance have been popular for many years. Today in our article we will talk about financiers, as well as study the features of the professional activities of such specialists.

In the modern world, the profession of a financier is considered one of the most prestigious and status. However, in order to be a relevant employee and be in demand among employers, you must have a high level of qualifications. The main task of the financier is to increase the capital of the enterprise where he works.

Despite the fact that the profession of a financier does not lose its relevance today, it has a rather long and interesting history of its origin. So, earlier called financiers all those people who knew how to increase their personal capital. This skill was raised to the rank of special professional skills relatively recently. Generally speaking, the word "financier" itself came into Russian from the French language. This is due to the fact that it was from Europe that this profession migrated to the territory of Russia.In this regard, modern entrepreneurs are actively adopting foreign experience in their practical activities.

Financiers are in demand in a variety of areas: investment funds and financial companies, government agencies, banks, etc. In this regard, professionals in this profile may have different specializations: for example, they distinguish such workers as a military financier, financial auditor, banker, etc. Moreover, each of the specializations has its own individual characteristics and characteristics. In addition, employees of the financial sector (regardless of their specific specialization) can engage in various types of activities: foreign economic, insurance, investment, etc.

It is important to note the fact that even despite the great prestige of the profession, it is characterized not only by positive, but also by negative aspects. Before making a final decision as to whether you want to associate your destiny with the profession of a financier, it is important to evaluate all the pros and cons. Only in this case you will be able to make the most balanced decision, which you will not regret in the future.

So, it is customary to attribute the following characteristics to the advantages of the profession:

• high salaries (financiers are one of the highest paid specialists, and the higher their qualifications, the more they get);
• prestige and status (for many young people this factor is one of the decisive factors when choosing a future profession);
• relevance and relevance (meaning that a specialist in the financial sector can find a job in organizations that operate in various fields);
• the practicality of professional skills (the skills and knowledge that the financier acquires in the process of obtaining education, as well as in the course of his professional activity, can be applied in life);
• the opportunity for career growth (by finding a job in starting specialties after graduating from an educational institution, a young person can count on active career advancement), etc.

However, in addition to the pros, there are also disadvantages. These include, first of all, such characteristics as:

• a high level of responsibility (due to the fact that the work of the financier directly affects the financial condition of the organization, the specialist constantly feels some degree of pressure from his superiors, which is coupled with a high level of responsibility);
• unforeseen risks (even the most educated, professional and experienced financier is not able to foresee all possible risks);
• lack of clear algorithms and work instructions (in most situations, the financier does not act according to certain rules and norms, but according to his intuition);
• a high level of stress (it is directly related to a high level of responsibility).

Very often, uninformed people confuse the work of an economist and a financier. However, there is a significant difference between these specialties. So, a financier deals with money projects and often works with securities, can finance certain projects and calculate how best to do it. An economist is a person who owns the overall economic situation of the enterprise where he works.

This includes many questions: the current situation, development plans for the future, the ability to anticipate the right stages of successful development. An economist can be knowledgeable in different areas - for example, in industry or agriculture.

The activities of a financial specialist are clearly regulated by such official and generally accepted documents as job descriptions and professional standards (or professional standards). Accordingly, before officially applying for a position, you must carefully read these documents, as well as with various internal orders and decrees. This is due to the fact that a specialist may be held liable (from disciplinary to criminal) for non-fulfillment or poor-quality fulfillment of his official duties.

Let us consider in more detail the list of tasks that relate to what the financier does in the course of his professional activity and in which his direct work consists. These include:

• accounting and tax accounting;
• writing estimates;
• creation of strategies for performing certain tasks;
• use of the advanced experience of foreign countries in their professional activities;
• formation of the pricing policy of the enterprise;
• documentation management (for example, writing reports, drafting contracts, etc.);
• interaction with all divisions and departments of the enterprise;
• evaluation of investment projects, selection of the most profitable options;
• monitoring of innovations in the legislative sphere, which concerns the financial sphere of human activity;
• conducting market research and using the latest technologies and developments for this.

At the same time, it should be borne in mind that the above duties do not represent a closed list of what a person in the position of a financier does in the course of his work at a particular enterprise. Each employer can make additions, changes and adjustments to the above list, which are based on his own wishes, as well as on the specifics of the enterprise. Accordingly, every professional financier must be able to adapt and adapt to changing conditions and requirements.

In order for the financier to be able to efficiently and efficiently perform his work, he must meet a whole list of various requirements. So, he must not only know the theoretical professional base, but also have a number of practical skills and abilities and have a certain set of personal qualities. There is a professiogram of the specialty financier.

The most important professional knowledge and skills include:

• knowledge of the legislation governing professional activities in the field of finance;
• knowledge of the Labor Code of the Russian Federation;
• knowledge of safety regulations;
• the ability to conduct accounting analysis and accounting;
• theoretical knowledge in the field of macro- and microeconomics;
• knowledge of the basics of international relations;
• proficiency in the implementation of financial planning;
• detailed and complete knowledge of such professional areas as corporate finance, insurance, financial markets, etc .;
• the ability to carry out management;
• have the skill of predicting possible risks;
• be able to conduct professional research and many others. dr.

However, it should be borne in mind that modern employers put forward requirements not only to professional, but also to the personal characteristics of the applicant for the position of a financier. It is believed that a person should have the following qualities:

• stress resistance and emotional stability;
• responsibility and discipline;
• attention to detail;
• serious approach to work;
• general erudition;
• ability to concentrate and focus on one task;
• strategic thinking;
• Analytical mind;
• the ability to work with a large amount of information;
• good memory;
• high communication skills, etc.

Thus, for a financier, not only theoretical knowledge and professional skills, but also personal characteristics are of great importance. If you combine all these characteristics, you will be the most relevant and in-demand specialist in the labor market. It is also important not to stop there and constantly develop (both professionally and personally), thanks to this you will stand out favorably against the background of all other applicants for the position.

First of all, the financier is responsible for the high-quality, efficient and timely performance of his work duties. In addition, he must adhere to the internal regulations and staffing table.

In order to become a financier, you need to get an appropriate education. Today, such a specialty exists both in institutions of secondary vocational education (for example, in colleges and technical schools) and in universities (for example, in universities and academies). Accordingly, you can start your professional training both after the 9th and after the 11th grade. In this case, higher education is considered more preferable.

Before entering an educational institution, you should visit the admissions office and find out what exams you need to take for admission (most often the list includes mathematics), as well as choose the most suitable faculty. In the course of training, you should pay close attention to both theoretical training and obtaining practical skills that will be useful in your future professional activities.

After graduating from an educational institution without work experience, you can only apply for starting positions: for example, assistants or assistants. A young person can work independently as a financier only after acquiring relevant experience.

As for the place of work, financiers can find application of their abilities in the following areas:

• in small businesses;
• in investment funds;
• on the securities market;
• in counseling centers, etc.

If desired, a specialist can organize his own business and provide services privately to individuals and legal entities, as well as private entrepreneurs. In general, the profession of a financier is one for which active career development is very important.

First of all, it should be said that a financier earns more than an average specialist with a higher education in our country. So, the material remuneration for the work of an employee may exceed 100,000 rubles.

At the same time, one should take into account the fact that wages depend on a large number of factors, among which are:

• region of residence (in large cities and capitals, specialists receive much more than those who live in the provinces and on the outskirts);
• educational level and work experience (these characteristics are directly proportional to the level of wages);
• the specifics of the organization.