目錄
簡介 Intro
金融銷售代表銷售基本存款，投資並向個人和企業貸款產品和服務。他們在銀行，信用社，信託投資公司和類似金融機構工作。
Financial sales representatives sell basic deposit, investment and loan products and services to individuals and businesses. They work in banks, credit unions, trust companies and similar financial institutions.
隨著經驗積累，可能晉升到更高層次的財務規劃和財富管理職位。
Progression to higher levels of financial planning and wealth management is possible with experience.
隨著經驗積累，可能晉升到信貸和貸款管理職位。
Progression to credit and loan management positions is possible with experience.
主要職責 Main Duties
- 開辦新的個人和非個人賬戶，並提供自動銀行機，電話銀行，網上銀行服務的訪問
- Open new personal and non-personal accounts, and provide access to automated banking machine, telephone banking and online banking services
- 面試個人，抵押貸款，學生貸款和商業貸款的申請人
- Interview applicants for personal, mortgage, student and business loans
- 促進存款，投資，信貸產品和服務的銷售
- Promote the sale of deposit, investment, credit and loan products and services
- 協助客戶提出解決方案，以達到財務目標，如業務拓展，債務管理，投資及其他財務目標
- Assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals
- 研究和評估貸款申請人的財務狀況，推薦信，信用和償還貸款的能力
- Research and evaluate loan applicant’s financial status, references, credit and ability to repay the loan
- 完成信用和貸款文件
- Complete credit and loan documentation
- 將信貸和貸款申請提交到分行或信貸經理，建議批准或拒絕，或在授權範圍內確保該機構的信貸標準得到尊重，批准或拒絕申請
- Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection; or approve or reject applications within authorized limits ensuring that credit standards of the institution are respected
- 編制拖欠帳戶報表，並且為收賬員推進不可調和的賬戶
- Prepare statements on delinquent accounts and forward irreconcilable accounts for collector action
- 審查和更新信貸和貸款文件
- Review and update credit and loan files
- 作為現金和證券的共同保管人。
- Act as joint custodian for cash and securities.
任職要求 Employment Requirements
- 通常需要完成中學並具備豐富的銀行經驗。
- Completion of secondary school and extensive general banking experience is usually required.
- 可能需要有關商業或經濟學大學本科學歷或大專文憑。
- A bachelor’s degree or college diploma related to commerce or economics may be required.
- 通常需要共同基金許可證。
- A mutual funds license is usually required.
- 通常需要在省或地區就業的證券監管機構登記。
- Registration with the securities regulatory authority in the province or territory of employment is usually required.
- 通常必需完成貸款或信貸的培訓課程，6到12個月不等。
- Completion of a loan or credit training program, ranging from six to twelve months, is usually required.
- 雇主可能要求僱員參加由加拿大銀行家協會提供的各種培訓計劃和課程。
- Various training programs and courses are offered by the Institute of Canadian Bankers and may be required by employers.
- 銷售金融產品及投資的金融服務人員必須具備適當監管機構的許可證。
- Financial services officers who sell regulated financial products and investments are required to be licensed by the appropriate governing body.
所有職稱 All Titles
- 顧問，貸款 adviser, loans
- 經紀人，貸款 agent, loans
- 分析師，信貸 analyst, credit
- 分析師貸款 analyst, loans
- 銀行賬戶主任 banking accounts officer
- 商業銀行賬戶主任 commercial banking accounts officer
- 消費信貸人員 consumer credit officer
- 消費貸款人員 consumer loans officer
- 輔導員，貸款 counsellor, loans
- 信用分析師 credit analyst
- 信貸調查人員 credit investigation officer
- 信貸調查員 credit investigator
- 信貸人員 credit officer
- 債務顧問 debt counsellor
- 金融銷售和服務人員 financial sales and service officer
- 金融銷售和服務主管 financial sales and service supervisor
- 金融服務人員 financial services officer
- 金融服務代表 financial services representative
- 貸款服務人員 lending services officer
- 見習貸款服務 lending services trainee
- 貸款巡視員 loan inspector
- 信貸員 loan officer
- 貸款顧問 loans adviser
- 貸款代理 loans agent
- 分析師貸款 loans analyst
- 貸款顧問 loans counsellor
- 貸款主管 loans supervisor
- 商戶服務專家 – 金融 merchant services specialist – financial
- 按揭顧問 mortgage consultant
- 按揭貸款顧問 mortgage loans consultant
- 官按揭貸款 mortgage loans officer
- 按揭人員 mortgage officer
- 人員，銀行賬戶 officer, banking accounts
- 人員，信貸 officer, credit
- 人員貸款 officer, loans
- 人員，按揭貸款 officer, mortgage loans
- 私人銀行家 personal banker
- 個人銀行賬戶主任 personal banking accounts officer
- 個人銀行業務代表 personal banking representative
- 個人金融服務助理 personal financial services associate
- 個人金融服務人員 personal financial services officer
- 個人貸款人員 personal loans officer
- 銷售聯營公司 – 個人銀行業務 sales associate – personal banking
- 銷售人員 – 財務 sales officer – financial
- 高級貸款官員 senior loans officer
- 學生貸款人員 student loans officer
不包括職稱 Exclusions
- 信貸和貸款經理（銀行業，信貸及其他投資經理） Credit and loan managers (in 0122 Banking, credit and other investment managers )
- 客戶服務代表 – 金融機構 Customer services representatives – financial institutions 6551
- 銀行，保險和其他財務人員 Banking, insurance and other financial clerks 1434
- 其他財務人員 Other financial officers 1114