For a big bank like ICBC, you will encounter a series of systematic job rotation training in the first half of the year. There are specialized training bases and trainers, who will generally practice in the cash area, settlement area and credit department of tier-one branches for a period of time to fully understand the basic operation of banks and some rules and regulations. Then you may go to some marketing departments (personal department and company department) and ask some senior account managers to take you there. In the end, the leader will arrange a suitable position for you according to your personal performance and wishes. If it is assigned to a tier-one branch, generally only the Credit Department, Corporate Department, Personal Department and Settlement Department can be selected. If you stay in the branch, the choice will be bigger.
Your 1 is equivalent to a company department, studying company business.
Enterprise customer resources are the main battlefield of banks. As a newcomer, you don't have any resources, so you can only run with other account managers or maintain some leaders assigned to your customers. You can't get much money because you don't have your own account and no performance. Even if there is business for you, it's someone else's account. You should share it with others, small head and big head.
Your 2 and 6 are equivalent to the personal department, studying personal business.
I think this is more challenging. Let's talk about mortgages, which are generally divided into first-class buildings and second-class buildings. Major buildings usually have project loans. The developer borrowed money from your bank to build a house. After the house is built, the owner will naturally be appointed to make a mortgage loan in your bank. This kind of work is generally large, but the money is not too much. The reason is very simple, because such business involves developers, and you can't pull it alone. The focus is on second-hand real estate. The key of second-hand real estate business is real estate agency, which is more suitable for new college students. Compared with corporate customers, it is much simpler to pull intermediary business, and it is easier to accumulate resources, and there are many fewer relationships to consider. In addition to financial management, it is very necessary to learn personal financial management even if you don't work in a bank. Just entering the society is the time when the original wealth is accumulated. Knowing how to manage money is very important for your later life. And financial planners are in short supply now. There are many practical things to learn in financial management, such as funds, national debt, stocks, futures, insurance, bank financial products and so on.
Your 5 and 7 are equivalent to the settlement department, learning settlement business.
7, 7 is not recommended. Generally, it is for those who are old and retiring or pregnant women who need care. 5 can be considered, because settlement is easier to be promoted than other positions. Corporate departments and individual departments are generally full-time employees. Only the settlement department has few full-time employees, most of whom are hired. Generally, they can't reach a bachelor's degree or above. If you graduate from a bachelor's degree or above, it is easy to get promoted as long as you work hard. Generally, it is no problem to mix a supervisor for two years. However, this position is boring and not challenging. Compared with the account managers in the personal department and the corporate department, the working hours are more rigorous and less free. The settlement position is paid a fixed salary, which is basically not linked to performance.
The credit department is a department that studies bank credit knowledge, and is generally responsible for the approval of personal loans and corporate loans, as well as post-loan management and collection.
Collection is not recommended. If you are interested in approval, you can study it. This department learns the most, gets a fixed salary and is basically not linked to performance. It is also a fixed shift system. The challenge is between the account manager and the settlement post.
The international business department you mentioned is interspersed with the knowledge of the corporate department and the credit department. Generally, you have to stay in the branch to get in. The nature of work is estimated to be similar to that of the credit department.
To sum up, I personally think that the most challenging and stressful is the personal account manager, and the performance determines the income! It is relatively easy for newcomers to tap this resource. What I can learn most is the credit department, and people in the credit department know a lot about financing! Job hopping to a big company is very popular. The most stable is the settlement department. As long as it is an account manager, whether it is an individual or a company, it should be relatively free, and other positions are fixed.
Measure it yourself and see which one is suitable. I hope it will be useful to you.