Thola Ukuvula Imisebenzi: Sebenzisa leli thuluzi ukuze uthole ukuvuleka kwemisebenzi yamanje emkhakheni.
Umboleki weMali noMeluleki wezeMali
I-Bureau of Labor Statistics (BLS) ibheka umeluleki wesikolodo ukuba abe yisigaba esincane se-credit officer, enezikhono ezifanayo namanqanaba enxephezelo.
Ubuchwepheshe
Iphoyisa lesikweletu lithengisa ngokukhethekile kwenye yezinhlobo ezintathu ezinkulu zokubolekisa: ezentengiselwano, abathengi noma izindleko zokuboleka imali. Ukuboleka kwezebhizinisi kuyisandiso sekhredithi kumabhizinisi. Ukubolekwa kwabathengi kubandakanya ukubolekwa komuntu siqu, ukubolekwa kwemfundo, ukubolekwa kwemali yasekhaya kanye nokubolekwa kwemali, phakathi kwabanye. Ukubolekwa kwemali kubandakanya ukubolekwa kwezindlu zangasese ngabanye (ibhizinisi ngokuvamile lizokhishwa isikhulu semali yokuthengisa, ngisho nokuthengwa kwezindlu) noma ukuvuselelwa kwemali ekhokhwayo ekhona.
Imfundo
IsiGanga seBachelor kulindeleke. Imisebenti yezimali, ukubalwa kwezimali kanye / noma ezokwezimali kuyasiza, nakuba kungadingeki. Amakhono amahle kakhulu okubaluleka abalulekile, kodwa futhi ikhono lokwenza ukuhlolwa okunembile ngabantu, ikakhulukazi ukwethembeka kwabo nokuthembeka kwabo.
I-MBA ingakwenza ube ngumqashi oqine kakhulu wokuqashwa, kuye ngokuqinile.
Isitifiketi
Izikhundla eziningi ze-loan officer azidingi isitifiketi esikhethekile noma ilayisensi. Okuhlukile okuphawulekayo, noma kunjalo, kuyinto yokuboleka imali. Iningi lamazwe lilawula le nsimu, ikakhulukazi ngokuphathelene nezikhundla zemali ebhange noma izimpahla zokuthengisa, kunokuba kubhekwe amabhange noma izinkampani zezikweleti.
Imisebenzi Nemithwalo Yemfanelo
Iningi lezikhundla zezikhulu zezikweletu zihlanganisa ukuphathwa kwemithwalo yemfanelo nezidingo zokuhlaziya: ukuthengisa izikweleti ngenkathi kunquma ukuthi ngubani omele amakhasimende, nokuthi yimaphi amagama. Ezinye izikhundla zigxile ikakhulukazi kuma-analytics, ngaphandle kwesilinganiso sokuthengisa nokuxhumana okulinganiselwe kwamakhasimende. Abantu ngalezi zinhlobo zemisebenzi ngezinye izikhathi bathiwa ngabalimi bemali mboleko. Ezinye izikhundla ezikhethekile ekusebenzelaneni namakhasimende abenezinkinga zokuhlangabezana nezinkokhelo zabo. Isibonelo esisodwa yisikhulu seqoqo lesikweletu, ozama ukwenza izivumelwano nabakweleta abakhathazekile abazoshintsha imigomo yokukhokha.
Ishejuli Esijwayelekile
Iningi labantu emisebenzini yesiphathimandla semali mboleko kuvame ukusebenza isonto elijwayelekile lamahora angu-40. Isiphathimandla semalimboleko yomthengi cishe sisebenza ukusebenza amahora avela endaweni ehleliwe, njengegatsha lebhange noma ihhovisi. Isikhulu sokubolekisa ngezebhizinisi noma sokubolekwa kwempahla ngokuvamile kufanele sisebenze amahora ahlukahlukene ukunikeza amaklayenti ezindaweni zokugcina zomsebenzi noma yokuhlala, ngaleyo ndlela uchithe isikhathi esibalulekile ehhovisi nasendleleni.
Yini Okufanele Uyenze
Ngokuya ngokuqinile nezinqubomgomo zalo, isikhulu seboleji singaba nokuzimela okukhulu kobuchwepheshe, ngokufanayo ngokuba usomabhizinisi ozimele kunomsebenzi webhizinisi.
Uma uhlelo lokukhokha isinxephezelo lusekelwe ngokuyinhloko-ikhomishini, kukhona ukuhlanganiswa okude phakathi kokusebenza nomvuzo, ngenzuzo ephakeme engaba khona. Futhi, ukwenza umsebenzi wakho kahle kungenza kube nomthelela omuhle, futhi ube nomthelela omuhle emakhakheni akho.
Okungafani
Ukwenqaba abafakizicelo bemali mboleko abangahlangabezani nemigomo yokubolekisa isikhungo sakho kungaba yinkqubo engathandeki, njengoba bengakwazi ukusebenzisana namakhasimende abenezinkinga zezezimali futhi abakwazi ukukhokha imali mboleko yabo njengoba kuvunyelwene. Futhi, izikhulu zemali mboleko ezilindeleke ukuba zifune amakhasimende amasha zingase zibe ngaphansi kwengcindezi enzima yokwenza, ukuphazamiseka kwamandla amakhulu okuthola amathuba anjalo.
Khokha
Isinxephezelo saminyaka yonke saseMedian yayingama- $ 58,820 kusukela ngo-Meyi 2012, kanti i-90% ihola phakathi kuka-$ 32,600 ne $ 119,710. Amacebo okuvuselelwa ahlukahluka ngumqashi, ngezingxube ezihlukahlukene zemiholo kanye nekhomishana.
Lapho ikhomishini ekhokhwa khona, ngokuvamile ibonisa inombolo kanye / noma inani lemali mboleko evela. Amaphakheji akhokhelwayo aphezulu kakhulu athambekele ekusebenziseni ukukhokhiswa komsebenzi nasezikoleni ezinkulu. Njengalezo zonke izigaba zomsebenzi, lindela umehluko omkhulu wokukhokha wezindawo .