财务分析师

工作日程

财务分析员的工作时间通常是白天，根据客户需要，也有必要加班或晚上工作。工作地点通常在室内，有时需要出差。  

典型职责

• Review client financials (income statements, balance sheets, cash flow) to assess their capital needs, investment budgets, and risk tolerance
• 考虑向客户推荐的投资类型和投资组合
• 提出投资补救、债务重组、再融资以及其他解决雇主财务问题的建议
• 编写报告和演示材料，并配以图表说明，帮助客户了解各种选择方案
• 研究其股票可能成为良好投资的公司。根据需要进行实地考察
• 评估历史房地产销售数据，预测房地产是否是一项可行的投资
• 利用财务模型和程序协助制定投资战略
• 关注地方、国家和全球经济及商业趋势
• 为金融投资、交易和买卖制定并执行经批准的行动计划
• 与投资银行家、会计师、公关人员、律师及其他相关人员合作
• 评估现有投资业绩，提出调整或出售建议
• 寻找新机遇，实现多样化，提高潜在利润，降低风险
• 比较不同行业的证券
• 分析有关价格、收益和稳定性的数据
• 根据需要与政府机构合作。确保遵守法规和法律
• 帮助客户了解投资的税务影响

额外责任

• 通过阅读金融出版物了解最新信息
• Find “green” investment opportunities
• 根据需要，宣传服务以吸引新客户
• 培训和指导新的分析员

软技能

• 积极倾听
• 适应性
• 分析性的
• 以合规为导向
• 批判性思维
• 注重细节
• 纪律
• 金融敏锐度
• 耐心
• 坚持不懈
• 劝说
• 规划和组织
• 解决问题的能力
• 怀疑论
• 健全的判断力
• 强大的沟通能力
• 团队合作
• 时间管理 

技术技能

• 数学和会计技能
• 对经济和投资有深刻理解
• Familiarity with applicable laws governing the securities industry, such as: 
• 2010 年《多德-弗兰克华尔街改革和消费者保护法
• 1940 年投资顾问法
• 1940 年投资公司法
• 2012 年创业法案
• 2002 年《萨班斯-奥克斯利法案
• 1933 年证券法
• 1934 年证券交易法
• 1939 年信托契约法
• Analytical software such as SAS, MATLAB, Spotfire, QlikView, Tableau, and MicroStrategy
• Other digital tools including Excel, SQL, VBA, Python, and R 

• 银行
• 信贷中介服务
• 金融投资公司
• 保险公司
• 养老基金
• 私营公司和企业
• 房地产经纪人

投资者非常依赖其金融分析师团队的专业知识。合理的投资可以带来长期的盈利能力和稳定性，这往往意味着公司员工可以持续工作。错误的投资可能会导致企业遭受重大财务损失，进而导致裁员、解雇员工甚至破产。 

Expectations run high and Financial Analysts must work hard to conduct thorough research and create accurate models to forecast the best investments for their clients’ needs. As Zippia points out, “while financial analysts are usually paid well, it comes at the cost of a healthy work-life balance in many cases.” Potentially long hours and the stress from so much pressure causes some analysts to experience burnout. 

The economy has been seeing turbulent times, with investors riding a rollercoaster as stocks, mutual funds, ETFs, real estate, and crypto prices have fluctuated in unpredictable ways. Such volatility is the opposite of what most Financial Analysts want to see when it comes to wealth building, yet there haven’t been many safe harbors lately. There are relatively safe options such as savings accounts, bonds, treasury bills, and similar items, but the return on such low-risk investments may not even keep up with inflation. Meanwhile, some analysts do suggest taking advantage of lowered stock prices, advocating a “buy the dip” strategy while stocks are “on sale.” 

The digitalization of currency has become a growing trend, with plenty of investors viewing cryptocurrencies and NFTs (non-fungible tokens) as an intriguing alternative to traditional investment vehicles. Indeed, venture capitalists alone sank over $33 billion in crypto and blockchain in 2021. Meanwhile, trading apps have utterly revolutionized how everyday people trade, which in turn impacts the overall market greatly. 

Financial Analysts may have always enjoyed learning about money, how it works, and how it can be used to make even more money! Growing up, they might have been entrepreneurs who launched their own side hustles online or in-person. They could have enjoyed playing around with stocks and cryptos, trading via mobile apps and engaging in online forums. It’s possible they liked math, finance, economics, and programming classes in school. Others might have come to them for help or advice about investments, leading them to realize they could turn their skills into a well-paid profession one day!