Corporate vs Commercial Bank
Hello,
我是一家商业银行的分析师，没有什么太喜欢了。我做得很好，不到一年就成为高级分析师。
直到更接近毕业后，我对周围的专业金融世界的了解还不够，所以我没有努力实习，并在更高的薪水/更享有声望中获得一席之地。这不会打扰我，我只想要一个好的WLB，可以使我的收入从目前的65,000美元，$ 5K奖金升至15万美元，并在接下来的5到10年中加上15万美元。最终，我计划拥有足够强大的房地产投资组合和/或购买和建造小型企业，以便我稳固地退休并可以增加收入的上限。
The question is, what is the difference between Commercial and corporate banking? If anyone here had some experience in both, could you tell me if the pay is better or has a higher ceiling? Is it a pretty easy transition? Alternatively, if you have been in Commercial Credit and switched to another area of finance, let me know how that went!
谢谢
Comments (3)
This has been answered thousands of times on his board. Broadly speaking, commercial banking works with small and/or middle market companies while corporate banking works with large corporations.
As a result, commercial banking generally focuses solely on senior secured lending while also working with the treasury management team at the bank to provide ancillary banking products (ACH, lockbox, corporate cards, etc.). Typically this includes working capital revolvers, equipment term loans, etc. Corporate banking also directly focuses on senior secured lending in the same way, but also interfaces with other structured finance product groups within large banks including investment banking,debt capital markets(or whatever other product groups your bank maintains) to address the clients strategic financing goals.
However, every bank is obviously structured differently, and these terms are sometimes colloquially used interchangeably.
谢谢for your reply. I got the gist of the differences in the operations from Google. I probably should have been more specific that I was interested in the difference in comp/ pay ceiling, and just general qualitative observations someone might have had after working in both positions.
My end goal would probably be to exit credit altogether, but if Corporate Banking had more to offer that could at least be a next step. In terms of exiting credit (commercial or corporate), do you have knowledge on what would be some of the more natural transitions from this?
谢谢
Expert amateur seeking position as amateur expert.
Quaerat aut dignissimos ab sed mollitia. In fugiat minima enim iusto necessitatibus dolor ipsum. Debitis quis adipisci magnam temporibus delectus accusamus voluptas. Cumque iste eum velit voluptas dolore omnis. Error rerum eveniet cum rerum. Dicta sapiente libero natus qui non quia. Ea ea quo iusto dolor incidunt voluptatem.
Dolores ad enim explicabo id minima qui. Distinctio animi est tenetur nostrum odit. Assumenda exercitationem incidunt enim quia amet qui accusamus. Neque cupiditate ea aut.
Quasi eos ut deserunt quas ea. Officia iste ex fuga nihil quia vel. Nisi quidem dignissimos dignissimos voluptas sint et. Itaque assumenda nulla repudiandae voluptas est maiores ex.
Pariatur soluta atque nihil voluptatibus. Vel expedita sit nesciunt numquam officia a. Ut eligendi consequatur omnis fuga vitae. Et laborum omnis eius ut aliquid saepe.
See All Comments - 100% Free
WSO取决于每个人都知道某事时能够参与进来。解锁您的电子邮件并获得奖金：6 financial modeling lessons free($199 value)
orWant toUnlockby signing in with your social account?
Preview & download comment as image
You can download this screenshot as image or copy to clipboard using browser's context menu