What's a Career in Personal Finance?

What’s a Career in Personal Finance? A great using many people on a regular basis don’t realise thus some people prefer to be. Individual and join university would in general get together with information the companies said totally showing an interest nonetheless , in the future over are going to transform tutorials just as they will near your venture discern its bodily calling. For me personal finance was one of the courses in college that really called out at me. You might say it yelled at me. “Take me as your college course!” That would be ho personal finance would be yelling inside my head. It may be weird to some of you but to most of you who had that epiphany of what you want to be, I know you can relate to what I mean.

To the uninitiated, personal finance is simple taking care of your own or someone else’s money. Although, there’s truth to that, but the process and the responsibilities are not as simple as what you might think. Personal finance is using financial principles to help individuals, families, or a singular unit get money, use that money wisely, save some, learn existing and possible life risks that would affect how they will gain and spend their money.

Okay, it may sound simple but combining all these principles to elements like checking and saving accounts, insurance policies, tax management, credit card loans, investments, retirement plans, and social security benefits, efficiently managing the finances is definitely a challenge.

Part of your job as a personal finance professional would be informing people how their financial decisions will come into play with their lives today or in their future. It is your responsibility to educate them on the consequences of their financial actions. With this in mind it is important to provide regular assessments of the client’s finances. Reevaluating the steps that were previously undertaken for financial gain and security should be conducted also on a regular basis to keep the financial situation updated and always in perspective.

Assessing where you are so far financially would mean getting all those balance sheets and income statements in order and trying to balance the values. Simple balancing of assets and liabilities is always the first step in assessment.

Once you know where you stand, you can set goals and objectives. It’s planning aside where you will be financially in say ten or fifteen years. Living off your pension after ten years, enjoying the good life is a goal that most people set for themselves. This is a good goal, since after working for years you earn the right to live the rest of your life relaxed and comfortable. Personal finance professional is supposed to help clients reach their personal goals.

To reach their goals, it is imperative that one has a concrete plan of action. In this plan, financial details will be laid out. Short term and long term goals with corresponding financial computations will help make overall financial planning a lot easier both for the client and the personal finance professional .

Now, assessment, setting objectives, and planning can all be tiring and time consuming stuff but the reason for all these meticulous planning is to ensure that implementation of the personal financial plan will go smooth. Admittedly, the most difficult phase of personal finance management is setting the plan in motion and sticking to it. Discipline is the word here. You need to constantly remind yourself of your final goal to keep you motivated and stick to your financial plan.

With this in mind, it would be important to conduct regular assessments and evaluations along the way. This will keep you focus and see if you have deviated from the main financial plan. You can put yourself back on track through regular reevaluation of your financial status.

This is basically what a career in persona finance will take you. Focusing on individuals or families and helping them with their financial management while incorporating philosophies, ideas, and elements of business and financial management techniques. Is this for you? For me it is.

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Panin Bank: Sub Branch Manager | Relationship Manager | Personal Banker | HRD | Legal Staff | Back Office | CS | Teller

Lowongan Kerja Panin Bank: Sub Branch Manager | Relationship Manager | Personal Banker | HRD | Legal Staff | Back Office | CS | Teller. We are a fast growing private national Bank are seeking several qualified individuals to support our expanding business in Jakarta area for the following positions:

Sub Branch Manager

Requirements
- Female or Male, max. 40 year of age
- S1/ S2 from any reputable university
- Ability to speak foreign language (English or Mandarin)
- Have a good analytical thinking and problem solving skills
- Min. 2 years experience in banking industry as Sub Branch Manager & has customer base
- Have a strong marketing, leadership & excellent interpersonal relationship skill
- Have the ability to undertake heavy workload (responsible in achieving sub branch target, maintain service quality and operation the sub branch)
- Placements:
Sub Branch Manager - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Sub Branch Manager - Karawang: placement in Karawang, domiciled in Karawang
Sub Branch Manager - Cikarang: placement in Cikarang, domiciled in Cikarang
Sub Branch Manager - Cikampek: placement in Cikampek, domiciled in Cikampek

Relationship Manager (Code: RM)

Requirements
- S1/S2 from any reputable university
- Female or Male, with maximum 30 year of age
- Attractive & good appereance
- Good personality & communication skills
- Have an excellent selling & networking skills
- Min. 2 years experience in banking industry as Relationship Manager/Direct Sales Bank/funding officer and has customer base
- Highly motivated, hard worker, and disciplined
- With Min. Height 155 cm
- Have the ability to undertake heavy workload, target oriented and having a high mobility
- Ability to speak foreign language (English / Mandarin) will be an advantage
- Computer literate ability to work in computerized environment
- Good looking, having good analytical thinking, communication and interpersonal skill
- Placements:
Relationship Manager (Code: RM) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Relationship Manager (Code: RM) - Karawang: placement in Karawang, domiciled in Karawang
Relationship Manager (Code: RM) - Cikarang: placement in Cikarang, domiciled in Cikarang
Relationship Manager (Code: RM) - Cikampek: placement in Cikampek, domiciled in Cikampek

Personal Banker (Code: PB)

Requirements
- Bachelor Degree (S1) from a reputable university with GPA min 2.75
- Female or Male, Single with maximum 26 year of age
- Min. 1 years experience in banking industry as Direct Sales Bank/ Customer Service/ Personal Banker, etc
- Highly motivated, hard worker, and disciplined
- With Min. Height 155 cm
- Have the ability to undertake heavy workload, target oriented and having a high mobility
- Ability to speak foreign language (English/ Mandarin) will be an advantage
- Computer literate ability to work in computerized environment
- Good looking, having good analytical thinking, communication and interpersonal skill
- Placements:
Personal Banker (Code: PB) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Personal Banker (Code: PB) - Karawang: placement in Karawang, domiciled in Karawang
Personal Banker (Code: PB) - Cikarang: placement in Cikarang, domiciled in Cikarang
Personal Banker (Code: PB) - Cikampek: placement in Cikampek, domiciled in Cikampek

HRD (Code: HRD)

Requirements
- Bachelor Degree (S1) from a reputable university with GPA min 2.75
- Female or Male, Single with maximum 26 year of age
- Fresh Graduate are welcome to apply
- Graduate preferably from information system/ business administration/ psychology
- Highly motivated, hard worker, and disciplined
- With Min. Height 160 cm
- Computer literate ability to work in computerized environment
- Good looking, having good analytical thinking, communication, highly accuracy skill and interpersonal skill
- Placements:
HRD (Code: HRD) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
HRD (Code: HRD) - Karawang: placement in Karawang, domiciled in Karawang
HRD (Code: HRD) - Cikarang: placement in Cikarang, domiciled in Cikarang
HRD (Code: HRD) - Cikampek: placement in Cikampek, domiciled in Cikampek

Legal Staff

Requirements
- Male, single max. 27 year of age
- S1 majoring law from any reputable university
- With Min. Height 165 cm
- Fresh Graduate are welcome to apply
- Computer Literate and ability to work in computerized environment.
- Good looking, having good analytical thinking, communication, highly accuracy skill and interpersonal skill.
- Placements:
Legal Staff - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Legal Staff - Karawang: placement in Karawang, domiciled in Karawang
Legal Staff - Cikarang: placement in Cikarang, domiciled in Cikarang
Legal Staff - Cikampek: placement in Cikampek, domiciled in Cikampek

Back Office (Code: BO)

Requirements
- Bachelor Degree (S1) from a reputable university with GPA min 2.75
- Fresh Graduate are welcome
- Male, Single with maximum 27 year of age
- Highly motivated, hard worker, and disciplined
- Highly accuracy and excellent administration
- Ability to speak foreign language (English / Mandarin) will be an advantage
- Computer literate ability to work in computerized environment
- Placements:
Back Office (Code: BO) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Back Office (Code: BO) - Karawang: placement in Karawang, domiciled in Karawang
Back Office (Code: BO) - Cikarang: placement in Cikarang, domiciled in Cikarang
Back Office (Code: BO) - Cikampek: placement in Cikampek, domiciled in Cikampek

Customer Service (Code: CS)

Requirements
- Bachelor Degree (S1) from a reputable university with GPA min 2.75
- Fresh Graduate are welcome
- Female, Single with maximum 26 year of age
- Attractive and good appearance will be an advantage
- Highly motivated, hard worker, and disciplined
- Highly accuracy and excellent administration
- Ability to speak foreign language (English / Mandarin) will be an advantage
- Computer literate ability to work in computerized environment
- Placements:
Customer Service (Code: CS) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Customer Service (Code: CS) - Karawang: placement in Karawang, domiciled in Karawang
Customer Service (Code: CS) - Cikarang: placement in Cikarang, domiciled in Cikarang
Customer Service (Code: CS) - Cikampek: placement in Cikampek, domiciled in Cikampek

Teller (Code: TL)

Requirements
- Bachelor Degree (S1) from a reputable university with GPA min 2.75
- Fresh Graduate are welcome
- Female, Single with maximum 26 year of age
- Attractive and good appearance will be an advantage
- Highly motivated, hard worker, and disciplined
- Highly accuracy and excellent administration
- Ability to speak foreign language (English/ Mandarin) will be an advantage
- Computer literate ability to work in computerized environment
- Placements:
Teller (Code: TL) - Jabodetabek: placement in Jabodetabek (Bekasi, Bogor, Depok, Jakarta, Tangerang), domiciled in Jabodetabek
Teller (Code: TL) - Karawang: placement in Karawang, domiciled in Karawang
Teller (Code: TL) - Cikarang: placement in Cikarang, domiciled in Cikarang
Teller (Code: TL) - Cikampek: placement in Cikampek, domiciled in Cikampek

Please send your detail application, complete CV, copy of id card (KTP), a recent photograph and other supporting document to PT Panin Bank, Tbk KCU CBD Pluit at email address below. Put the position code and the placement on the email subject.

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Citibank: Analyst Property Research | CTS Management Associate | Personal Banker

Lowongan Kerja Citibank: Analyst Property Research | CTS Management Associate | Personal Banker. Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 100 countries, providing consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.

Analyst Property Research-12021359 - Jakarta

Job Description
- Writing research reports on listed property companies in Indonesia
- Assessing companies through various analytical means to determine an investment rating
- Servicing institutional investors closely to educate and assist with understanding of the market
- Preparing research summaries of covered companies, longer-dated thematic reports, and broader market analysis
- Conducting company visits
- Marketing covered companies to Citi's institutional investor clients regionally
- Building financial models
- Gathering information and financial datas
- Responding to requests from institutional investors
- Coach and train associate, manage associate's career and development.

Qualifications
- At least 4+ years of experience as an independent writing research analyst or buy-side analyst
- Possess an excellent understanding of Accounting and Financial Modeling skills
- Experience in industry is strongly preferred
- An ability to communicate effectively to sophisticated investors
- Strong leadership skills and an ability to motivate staff
- Ability to market, conduct and provide interviews
- Willing to work long hours and under pressure
- Strong interpersonal and client service skills
- Possess good written and spoken English
- Aggressive and proactive.

CTS Management Associate-12021353 - Indonesia

Job Description
- Citi Transaction Services (CTS), a division of Citi's Institutional Clients Group (ICG), offers integrated cash management, fund services, securities services, and trade services and finance to multinational corporations, financial institutions, and the public sector around the world.
- The CTS Indonesia Management Associate program is designed to attract talent pool and to provide an excellent training ground for graduates to work in CTS group. CTS MA will be introduced to a dynamic CTS environment, and obtain actual industry experience by being assigned to different industry groups. They will gain in-depth insights into varieties of CTS sales, products and services through a series of carefully planned informal and formal trainings by senior managers in CTS and related functions. The CTS MA program would be 38 months program , including all mandatory training periods and 3 rotations at 8 months each where the CTS MA will be assigned with a project related role as well as a line role and will work closely with senior managers and CTS team in projects that involve developments of new products, client relationships, and sales. For further information please click CTS Campus Website: www.oncampus.transactionservices.citi.com

Qualifications
- Minimum of Bachelor degree from respectable universities
- Minimum GPA of 3.2 from 4.0 scale
- Any major is welcome, preferably Finance and/or Marketing
- 0-2 years of experience
- Proficiency in English is desired
- Ability to think globally and creatively-with an innovative approach to doing business
- Positive attitude and work ethic
- High level of personal integrity, commitment to excellence and a strong desire to learn
- Ability to work independently and in a team environment
- Possess resiliency to work in a challenging and changing high-volume, fast-paced environment

Personal Banker-12021354 - Indonesia

Description
Sales
- Conduct daily and weekly planning of sales activities in order to reach those targets.
- Increase customer account balance through continuous execution of sales activities (via calls, walk-ins, and visits):
- Introduce and explain products / promotions
- Provide product consultation
- Cross-sell
- Handle customer account-related administrative procedures / paperwork
- Account opening
- Keep track of customer communications and transactions.
- Stay updated on Citibank products and promotions, and preferably also market products, players, and trends.

Service
- Establish and maintain good relationships with customers:
- Regular courtesy calls - to check up on customers, not just for sales purposes
- Profiling: understand needs, preferences, life styles
- Product inquiries
- Solve customer issues
- Conduct financial planning
- Uphold an overall excellent service standard that is in line with Citibank image and reputation.
- Ensure overall customer satisfaction.

People
- Serve as focal point between Citibanking customer acquisition team and Citibanking telesales team in ensuring seamless synchronization of customer knowledge.
- Work closely with ALL members of the branch team.

Compliance
- All sales activities must be done in compliance with company and government regulations and policies

Qualifications
- Graduate from reputable university, Bachelor degree is a must, minimum GPA of 3.0
- 2-5 years working experience in banking industries
- Showing career progression and expanded role historically
- Shows enthusiasm in sales driving & sales oriented
- Possess excellent interpersonal skill
- Can adjust easily on fast paced environment
- Able to work under-pressure with difficult customer situations

Should you interested please apply at links below.

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Lowongan Kerja PT Bank Tabungan Pensiunan Nasional Tbk: Personal Banker Development Program

Lowongan Kerja PT Bank Tabungan Pensiunan Nasional Tbk: Personal Banker Development Program. PT Bank Tabungan Pensiunan Nasional Tbk - Bank BTPN is a fast growing private-owned financial companies in Indonesia. The Company engaged in banking servises and established in 1958 with the of Bank Pegawai Pensiunan Militer (Bapemil). In 1986 the Bank renamed to the current name and in 2008 the bank listed in Indonesia Stock Exchange (IDX). TPG Nusantara S.a.r.l, a subsidiary of US global private equity, Texas Pacific Group Capital, become the controlling shareholders of Bank BTPN with 57.87% shares. The Company's main office located in Jakarta and currently operated 1,056 branch offices in 234 cities spread across Indonesia. The Bank's business segment consist of funding business, pension business, micro & small business, and sharia business. In line with its vision, become the best mass markets bank, making difference in the lives of millions, currently PT Bank Tabungan Pensiunan Nasional Tbk invites the potential candidates to join as position below:

Personal Banker Development Program (Code : PBDP 2012)

Requirements:
- Hold min. Bachelor Degree (S-1) from the leading universities in Jakarta with GPA > 2.75
- Fresh graduate or have 1 year experience with age max. 26 years old
- Love a challenge and target oriented
- Have good communication skills
- Good looking and confident

For further detail information about job responsibilities and benefit of this position, please refer official source from JobsDB on following link below. Should you interested and qualified, please submit your complete application (CV with recent photograph) to email : recruitment.rfb@btpn.com (max.300kb in Word/Pdf format) and write position code as email tittle. Only short-listed candidates will be considered.

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