金融分析师的工作Description

A financial analyst is responsible for a great deal of research and analysis around financial statements and company operations, both externally and internally.

从事银行或投资角色工作的财务分析师可能负责分析公司的潜在投资并协助投资组合的研发。此外，他们可能负责寻找公司进行投资的公司，并报告有关已经投资的公司的最新信息。他们也可能有助于促进大型金融交易。

On the other hand, financial analysts working in a corporation use their knowledge and expertise in financial and economic analysis and forecasting to assess the condition of an organization and its growth potential.

No matter what position a financial analyst is in, it is likely that they will be involved in creatingfinancial models, some accounting and organization of财务报表，进行研究和创建报告，并分析公司的业务运营和业务效率，并预测未来的盈利能力。财务分析师所做的大多数工作都可以应用于人自己的公司或对其他公司的分析。

As one of the most analytical positions within a business setting or government agency, they must have some qualifications from a wide range of academic backgrounds. In many cases, candidates are expected to have a bachelor's degree in economics, accounting, finance, or related fields.

In some more prestigious positions or firms, a candidate may even be expected to have a Master's degree or niche certifications. Employers also require candidates to have some amount of professional experience.

什么是财务分析师？

A financial analyst is a professional who, through their knowledge and expertise in financial and economic analysis and forecasting, assesses the condition of an organization and its growth potential. They may assess the business they work for or analyze other companies to decide whether they may be good investments.

Working closely with management, they assist in maximizing organizational performance and profitability by analyzing past and current figures, making recommendations for the company's future direction, and providing timely information to internal departments or organization members.

It is a very broad term that can refer to several specific roles that can include several different job functions. A few specific positions that require financial analysis are described briefly below.

Equity Research (ER)Analysts are responsible for researching and assessing the value of equity in various companies and making recommendations on whether to buy, sell, or hold the security. This job involves a great amount of financial modeling and researching financial markets. An analyst should also write detailed reports that explain a thesis about a security that is well backed up by their research. They should also present and explain these reports and their findings to investors.

bob竞技体育游戏分析师协助大型交易的公司。投资银行业务的很大一部分是协助合bob竞技体育游戏并和收购，并帮助公司进行首次公开​​募股（IPO）。分析师将花费很大一部分时间创建音调书籍，审查演示文稿，进行市场研究，财务建模和估值。

财政分析师处理公司的内部运营，协助分析财务报表和交易，以确保资产are being efficiently utilized within the company, and making suggestions to improve efficiency. They also work within accounting, recording transactions and properly organizing a company's financial information, working with management and making presentations to improve its operations.

Private EquityAnalysts spend much of their time researching other companies in-depth, creating financial models and reports, and finding new deals for the firm. In addition, an analyst may work to assess and reassess an investment portfolio, involving a lot of research on these companies and giving opinions on their operations.

信用分析师分析贷款申请人的信誉。这涉及管理公司的风险，为有一定的团体提供多少贷款提供建议credit rating， 和analyzing the likelihood of being repaid by potential debtors. Many factors go into this analysis, such as current首都,collateralsize, loan terms, and credit history.

The term financial analyst can refer to many positions outside the ones above; however, these jobs give a good outline of many of the responsibilities involved in being a financial analyst.

The Bureau of Labor Statisticsestimates that the median financial analyst earns $83,660 as of 2020. This is a good benchmark; however, there is also a lot of variance in salary between specific positions and firms. Financial analysts can earn a salary in the low six figures in many positions. Most analyst jobs are also considered junior positions, meaning that there are often opportunities to get higher-paying jobs within the field a financial analyst is working.

What does a financial analyst do (Financial analyst job description)?

财务分析师可能在内部和外部工作。财务分析师的作用非常依赖于公司内部的特定位置。他们有几种不同的职责与建筑模型并介绍所述模型的产出有关。下面，我们简要详细描述了这些职责。

A financial analyst may be responsible for working with the accounting department to create accurate财务报表在公司。除此之外，他们还将创建几种不同的financial modelsmeant to assist senior positions in making various decisions. This can include building variance models to show differences in forecasted performance and the company's actual performance and highlighting inefficiencies or reasons for these discrepancies.

Financial analysts in banking and consulting spend a lot of time buildingvaluationmodels on companies and researching potential investments. This includes doing due diligence and analysis of companies' financial statements, creating various financial models, and researching the宏environment and市场trends.

The job of a financial analyst involves a great deal of analysis and research. In many cases, it is also an analyst's job to present their findings and reports to senior management to assist decision-making. To be a financial analyst, one should be good with numbers, comfortable presenting research, analytical, and have great ability to research large amounts of data and pay attention to small details.

如何成为财务分析师？

在担任财务分析师职位的最重要的事情是，该行业如此广泛，并且包括许多不同的工作职能，需要不同的资格和技能。因此，您可能必须首先选择其中的利基市场。

The qualifications necessary for a position will depend on the specific role a candidate is pursuing and how prestigious the firm is that they are applying to. At a minimum, aspiring candidates for this role should have a bachelor's degree in economics, finance, accounting, or related fields, should make sure they have at least some professional experience within finance, and should make sure they have knowledge surrounding accounting principles and both宏和微型财务市场。

If a candidate is applying to a prestigious firm or for a more competitive job, an employer may require a Master's degree such as theMasters of Business Administration (MBA)。但是，即使不需要，攻读MBA通常也很有用，因为拥有MBA的候选人比其他候选人具有强大的竞争优势，并且受到雇主的高度追捧。

In addition to their academic background, most employers are looking for work experience in accounting, finance, budgeting, or forecasting. It can be obtained through internships, summer jobs when they were still enrolled as full-time students, or part-time positions while completing their bachelor's degrees. In addition, candidates should expect to have a solid grasp on creating and interpreting financial statements and using tools such as Microsoft Excel.

Some positions may require that a candidate pursue other certifications such as completion ofseries examswhich would grant certifications such as the Series 7 and Series 66 licenses, which allow brokers to sell certain types of securities and are necessary for fulfilling certain job functions.

即使你的雇主不需要this, it would be beneficial to pursue these certifications and additions to your resume due to the growing need for qualified candidates and increased demand for these positions.

In some cases, additional certifications may be expected and can be extremely helpful for proving a candidate's ability and can give them a competitive advantage. This includes the Certified Public Accountant (CPA) certification, which can signify a deep understanding of accounting principles.

Candidates with theChartered Financial Analysts (CFA)designation are typically highly sought-after candidates. This certification focuses on portfolio management and in-depth financial analysis and is considered difficult to obtain. Therefore, a CFA charter may be useful for giving candidates a competitive advantage.

Aside from these specific certifications, countless other professionally recognized accreditations can help build a candidate's resume, and that may be a good idea to pursue.

Financial Analyst Roles

In most cases, financial analysts are considered junior team members, and in some cases, are even the most junior position within a field. Unfortunately, this means that financial analysts are involved in some mundane and tedious tasks meant to assist and save time for more senior roles, which in many cases means low to no say in decision making.

As financial analyst is a broad term encompassing many different positions and job functions, many of these jobs have a wide range of responsibilities and considerable overlap between different positions.

They may be primarily responsible for preparing and analyzing financial reports, such as收入报表,balance sheets， 和cash flow statements。They may also be required to study and interpret data related to company operations and the economy at large.

They may also be tasked with identifying an organization's strengths and weaknesses in order to help management identify areas for improvement within a company.

在某些情况下,本研究关注primarily with internal operations and resource allocation. For example, one might be tasked with organizing financial information and finding and fixing inefficiencies within company operations.

In other cases, they will be required to analyze external companies for investment opportunities and create financial models and forecasts to make recommendations on investment which may require studying the economic environment and making recommendations on how an organization should invest its assets or make changes to its product or service offerings.

为政府机构或非营利组织工作的分析师通常会花时间分析市场趋势并预测未来的经济状况，以指导这些组织内部的未来决策。

In many financial analyst roles, you can expect to perform the following job functions:

• Assess the performance and profitability of an organization
• Contemplate long-term strategy and forecast future investment needs
• 通过评估过去的数字来帮助最大化组织绩效
• Make recommendations for the future direction of the company
• Provide timely information to internal departments or members of the organization
• Prepare and present financial statements
• Conduct variance analysis to understand the reasons behind major fluctuations in the company's financial statements or other financial data
• Maintain up to dateb0b体育app下载
• 创造and maintain dashboards and visualizations围绕关键财务绩效指标和KPI
• 创造valuation compsmodels for both transaction and trading comps

Job Outlook for Financial Analysts

As such a broad term, financial analysts make up a great number of those working in finance and accounting. It is unlikely that financial analysts won't be in high demand in the future, simply because they fill so many positions and are important for many different roles.

劳工统计局预测，该领域的2020 - 2030年就业机会将增加6％。截至2020年，大约有492,100家财务分析师，预计将增长到523,400，或31,300。但是，当然，该领域的某些职位将比其他职位增长更多。

例如，由于最近在欧洲引入的监管，股票研究分析的日益越来越慢。但是，即使该领域比投资银行分析师或信用分析师等其他角色要慢，该领域也有望增长。bob竞技体育游戏

Further, as current analysts get promoted to senior roles such as associates and managers, the actual number of jobs up for grabs would be closer to the current number of analysts already on the job than just the difference due to growth.

Several factors will be important in determining the job outlook for this particular profession. The analyst position is generally seen as recession-resistant because, even if they are affected by economic downturns, they can still be very valuable to any organization as no organization runs without finances.

Beyond financial analysis, which is likely to be a steady career path in the future, the qualifications that a financial analyst is expected to have are likely to be of value in many other industries. For example, knowledge about accounting and the economy and business operations will likely continue to be a highly valuable skill set. Individuals who work towards this will fill many positions within a broad range of industries such as politics, business, and journalism.

Additional Resources

WSO是财务专业人员财务建模课程的领先提供商。为了帮助您发展职业，请查看以下其他资源：bob电子竞技大赛

• Equity Research Associate Job Description
• Hedge Fund Manager
• Investment Banking Job Description
• Venture Capital Job Description
• 私募股权职位描述