在美国,金融硕士 msf 学生毕业后会在各行各业从事金融方面的工作,下面就根据美国劳工统计局公布的信息,主要从职位类型、公司类型、薪资情况三方面介绍美国金融硕士的就业情况
一职位名称
1.会计师和审计师﹙ 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
会计师主要是帮助个人或企业,记录其收入和支出情况。并使用计算机软件分析消费习惯,就如何更有效的预算资金提供建议。他们也会帮助个人或企业准备和提交需向政府监管机构提交的财务文件。
审计师—般受雇于企业,帮其评估会计师工作的准确性,他们还会帮助审查财务决策的准确性和合法性并把结果告知投资者和相应机构。
2.房地估价师或评估师﹙ 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
他们的职责主要是确定土地、建筑和居民区的金融价值房产估价师主要是检查房产的所有权,验证房产描述是否符合实际情況。分两种类型:商业和住宅。商业估价人员估价的房产是用于商业用途如写字楼和零售空间而住宅估价人员估价的是住房房产。
评估师通常就职于地方政府,以税收为目的去评估居民区的价值。他们把同时得到的大量房产用计算机程序变成数学公式
3.预算分析师﹙ 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
企业、学校、政府或其他机构都会雇佣预算分析师,以寻求财务建议。预算分析师运用计算机软件审查成本和收入数据,就支岀水平给出建议。他们会确保这个机构的预算是准确、完整的和合法的预算分析师会监督整个财政年度的支出,并审核支出是否有必要。还要站在监督者的角度,确保机构的财务计划能进行下去
4.信贷分析师﹙ 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
银行和其他放贷机构雇佣信贷分析师来帮其判定个人或仝业贷款所涉及的风险。信贷分析师运用计算机软件评估申请人的信用等级,并建议银行是否应该为申请人提供贷款。信贷分析师也会帮助个人或企业准隹备详细的信用记录,用于提供给信用机构和信贷员。
5.信贷顾问﹙ 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 信贷顾可会就个人或企业是否贷款给岀建议帮其设置财务目标和管理债务。信贷顾问会根据客户的财务目标推荐不同类型的贷款,并就偿还债务给出不同的计划为确保客户得到最好的贷款可能,些信贷顾可还要和放款人协商贷款条件和还款计划
6.金融分析师﹙ 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
金融分析师为个人或企业的财务目标提供合理的投资建议。他们通常由行业、地区或产品来分类。例如个从事地区投资的金融分析师,可能就会专门硏究亚洲的经济趋势,像是中国的,或者印度的。金融分析师运用计算机软件,硏究 经济趋势考查历史数据,做财务报表。为高级经理写报告,给客户合理的投资建议。
财务审查员﹙ 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
财务审查员会审查资产负债表收入和支出数据,并帮助银行或机构准备贷款文件和财务状况报告财务审查员也要熟悉政府政策,给出指导,确保机构遵守新的规定。
8.保险承保人﹙ 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
保险承保人评估申请人寿保险健康保险财产和意外保险的申请者。为决定保险的承担范围,他们要分析申请人的风险,并就提供多少保险,收多少费给出建议
9.信贷员﹙ 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 信贷员决定是批准还是拒绝贷款。他们审查个人和企业的贷款申请收集相关财务文件,并给出建议。信贷员通常的职责是在贷款过程中给借款人做岀指导。一些信贷人员专门就职于追债公司,处理借款人不按时还款的问题
10.个人理财顾问﹙ 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.
人理财顾问主要是为个人和企业做出理财规划,帮助客户达到财务目标。他们会评估客户的财务状态，会就客户投资理财、购买保险或者退休基金产品等不同的投资选择做出评估顾问定期会与客户见面,以确保他们的收入、储蓄和投资过程已经步入正轨。
11.税收审查员;税务官员﹙ 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
税收审查员受雇于联邦、州和地方政府,帮助其收税。他们审查妠税申报表,进行审核,并确定税款。收税人追睆那些税账户欠钱的纳税人。他们也会帮納税人解决他们通期的债务问题。
12.税务代理人﹙ 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.
税务代理帮助个人或者中小企业客户完成纳税申报和准备文件，代理人会定期与客户见面，协助其税收规划
13.其他,如:金融定量分析师﹙financial quantitative analysts﹚;风险管理专家﹙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
金融定量分析师需要开发产品,这些产品主要用于个人或金融机构在贷款借贷,储蓄投资和管理风险等需要做决定的时候。风险管理专家主要帮助企业寻拢夆低运营和相关风险的方法。欺诈审查员,调查人员和分析师主要是为—些疑似不正当的金融活动案件,收集证据,制作报告,用于法庭证据。
二、公司类型
金融就业涵盖行业和机构,主要包括银行、信托证券、投行 基金风投、保险和抵押贷款公司和信用卡公司等
此外,一些金融专业从业者也会选择自主创业,美国劳工统计局数据显示,房地产估价师和顾问税务代理自主创业的个人财务顾可也占就业行业相当高的比例
不过,一些岗位就业的选择十分有限,例如:保险承运人。主要受雇公司为保险公司或经纪公司。
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