In a big bank like ICBC, you will encounter a series of systematic job rotation training in the first half 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 let some senior customers experience you. In the end, the leader will arrange a suitable post for you according to your personal performance and wishes. If you are assigned to a tier-one branch, you can generally only choose the Credit Department, Corporate Department, Personal Department and Settlement Department. If you stay in the branch, it will be bigger.
Your 1 is equivalent to the company department, studying company business.
the company's resources are the main battleground for 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 account. You don't get much money, because you don't have your own account and no performance. Even if you have business for you, it's someone else's account, so you have to share it with others, and you are divided into small heads and big heads.
Your 2 and 6 are equivalent to the personal department, studying personal business.
personally, I think this is more challenging. Let's talk about mortgage, which is generally divided into primary and secondary buildings. The primary building is generally a project loan. Developers usually borrow money from your bank to build a house. After the house is built, they will naturally designate the owner 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 simple, because such business involves the developer and you can't pull it alone. The focus is on second-hand property. The key to second-hand property business is real estate agency, which is more suitable for new college students. Compared with corporate clients, it is much simpler and easier to accumulate intermediary business, and there are many fewer relationships to consider. Besides financial management, it is very necessary to learn personal financial management even if you don't work in banking. Just entering the society is the time when the original wealth is accumulated. Knowing how to manage money is very important for your future life. And now financial planners are very tight. There are many practical things you can learn about 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 the settlement business.
It is not recommended to consider 7, 7. Generally, it is for those who are getting old and retiring quickly or pregnant women who need to take care of them. 5 can be considered, because compared with other positions, settlement is easier to be promoted. The company department and the personal department are generally full-time employees. Only the settlement department has fewer full-time employees, most of whom are hired. They generally can't reach a bachelor's degree or above. If you graduate with a bachelor's degree or above, you will be promoted as long as you work hard. Generally, it is no problem to mix a supervisor for two years. However, this kind of position is boring and not challenging. Compared with the account managers in the personal department and the company department, the working hours are more rigorous and less free. The settlement position takes a fixed salary, which is basically not linked to performance.
the credit department, a department that studies bank credit knowledge, 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 learn a lot. The settlement position is paid a fixed salary, which 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, only the branch can have the opportunity to enter. The nature of work is estimated to be similar to that of the credit department.
to sum up, personally, the most challenging and stressful person 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 the people from the credit department know a lot about financing! Job-hopping to big companies is very popular. The most stable is the settlement department. As long as you are an account manager, whether you are an individual or a company, you should be relatively free, and other positions will be fixed.
Measure for yourself and see which one is suitable. I hope it will be useful to you!