銀行 banking career 你問我答 (2)

如果想係前線發展，BOC 既 Assistant personal banking manager, 定 hsbc 既 premier relationship officer好？

中銀pbm要開戶口
habc pro已經唔洗開戶 rm d 助手 同埋係manager既grading
做到hsbc緊係做hsbc

好耐之前個frd叫我做恆生既global banking officer
之後做左hsbc個test後 唔知點解個frd話未必得
今日收到電話係hsbc打黎 問我Customer Care Officer做唔做
佢話我果60條mc test 成積好好問我之前點解無apply
大約知道要返shift同埋跑數
但我本身翻工都係要返shift同overnight 所以呢個都唔係問題
但跑數果part係咪真係會好惡做?
除左呢樣仲有咩咁惡做?

但係原本既gbo 同 hsbc既cco 都係要跑數 咁有咩分別?

Call centre狗都不屌

如果fg 見工,見 commercial loan processing 既工. 佢地interview 問開d咩架？ 佢地job duty 係咩？ 應該點準備好？ personal loan 我大慨知道佢地要點做， 但 commercial loan 完全無經驗。

bnp ibd係咪含得撚
佢專做大陸教育ipo

15萬up la

一般分fund credit risk 或者leveraged finance credit risk
前者主要對finance company 或者hedge fund 做多d trading limit derivatives 野

後者主要做m&a loan, leveraged loan( high yield 或者 junk grade company ), structured finance

Corp bank 主要做vanilla product 例如普通rcf, working capital loan

一般做三年financial projection , cash flow , balance sheet 會重要d

唔洗valuation

Fg就唔會預technical 問題 亦冇得點準備

建議你google 下behavioral question and sample answer

應該係middle office 準備loan booking 或者check loan document

想知例如會點睇一間hedge fund 嘅credit risk ，都係會用project cash flow做dcf model？

同埋collaterals 係咪比較會比D CLNs/market depth thin d嘅assets黎 咁係咪要睇埋liquidity risk？ 求請教 20fg comm credit想轉private/ib

Analyze fund 應該唔會計cash flow 因為fund companies d financial statement 已經唔同

我自己做corp 唔太熟
不過我估主要係monitor trading activities, margin loan exposure ，夠唔夠buffer, market risk , LGD 果d

你本身job duties 會係咩

係少過 sad到爆

呢家好傳統做 trade finance, WC loan, project financing 嗰類 基本上對non FI。見apply 私銀/ibank credit都會有啲回音 想轉去試下

Transferable 啊 我都由Corp credit 轉ib credit
keep住報啦

Hr 同我講做野果陣要得閒寫下d咩report 同睇下cash flow statement . 但我唔記得左係寫咩report 。同埋佢話要識 Excel點解。我想問問呢 佢地大慨 想我識用excel既咩功能架？

有冇job duties JD睇下？

堅果奶蓋好好飲

計市場需求 前景private banking會好d
各大行都加headcount 同埋普遍work life balance

如果想入行做銀行可以點開始無咁伏？
但係我得個垃圾HD