Finance Careers: Investment Banking Associate

As second-year MBA students chatter at cocktail parties, one of the major topics of discussion is who landed investment banking offers. Although the reputation of investment banking has taken a beating following the 2008 financial crisis, corporate finance jobs are still an incredible way to gain valuable business experience and earn a handsome paycheck.

Since the financial crisis, many perceive investment banking to have changed forever, and in many ways, it has. But there will still be IPOs, mergers and leveraged buyouts and a need to raise capital to grow businesses, and that means there will be jobs for those who have what it takes to succeed in corporate finance.

For the MBA, the typical entry job into the corporate finance department is an associate position. It’s a demanding slot, but it’s one rung above an analyst position, pays well and leads to great client exposure and business experience. So what will it take for an MBA to secure an associate position?

From B-School to I-Banking

Yes, corporate finance looks for bright individuals who can clearly articulate business insights and who will dazzle clients with social skills. But at the associate level, investment banks are also looking for MBAs that have strong finance experience and are driven and disciplined.

In terms of experience, bankers are ideally looking for candidates with previous corporate finance experience. Such experience could be a pre-MBA stint as an analyst or a summer internship with an investment bank. Firms also tend to value candidates with Big Four accounting experience, commercial banking experience or other positions that require significant exposure to finance and accounting.

Similar to the analyst hiring process, interviews for associate positions can be intense, and the ante is upped for candidates who have completed graduate programs and will be expected to work more closely with clients. Associate candidates should put in several hours of practice interviews and be prepared for all sorts of questions. For those who have already gone through the interview process as an analyst, the interview won’t be as intimidating (otherwise, get ready!).

Interviews may involve several rounds, culminating in a “super Saturday” round in which the top candidates meet with all the bankers at the firm for another round of interviews and socializing – giving the firm an opportunity to see which candidates are the best cultural fit.

As with most interviews, candidates must be prepared to impress the firm with their intellect and skills, but more importantly, they must prove that they are a likeable person that will work well with the firm’s employees. For candidates who receive offers, it’s time to get ready for life as an investment banking associate.

The Corporate Finance Quarterback

There’s a good reason why associates earn a healthy salary and a large bonus each year. In short, they are the quarterbacks of the corporate finance office. They may have analysts to whom they can assign projects, but they have to juggle multiple projects from multiple bankers with complicated schedules. Managing the analysts is no easy task either, as each of them are pushed to the max with their project workloads.

Like analysts, associates may start their day at 8 am and not finish it until 1 or 2am – and sometimes may not go home at all. They come in on the weekend to stay on top of projects and ensure that documents and presentations are completed with enough time for thorough editing. Associates usually put in as much time as analysts – often 80 to 100 hours a week at New York firms or 60 to 80 hours at firms off of Wall Street.

The Deal Cycle

Associates play a key operational role in the deal cycle of the corporate finance department. In the deal cycle, investment bankers – the vice presidents and managing directors – will either approach or be approached by companies with ideas for potential transactions. These deals may include IPOs, follow-on offerings, private placements, mergers and acquisitions.

Bankers will set up a meeting with the company called a pitch, in which they pitch the services of the firm to the company and present their analysis of the feasibility of the potential transaction.

At the pitch, the bankers will present the potential client with a pitch book – usually a hard-copy PowerPoint presentation that describes the credentials of the bank along with a detailed analysis of the market in which the company operates and often a valuation of the company itself.

If the company is impressed with the firm and interested in pursuing a deal, then it will engage the firm to execute the transaction. Depending on the type of transaction and the conditions of the market, these transactions can take anywhere from a few months to a few years to complete. At any point in time, bankers can be working on several pitches and deals all at once.

What do Associates Do?

Analysts tend to work on the front end of the deal cycle, working on pitch books for the bankers. Associates also work on the front end of the deal cycle, overseeing and editing the work of analysts in the preparation of pitchbooks.

But associates also assist in the execution of deals – preparing sales documents for various transactions, editing prospectuses and even discussing due diligence materials with potential purchasers in M&A and other transactions. As associates gain the respect of senior bankers, they may get to accompany the senior bankers on pitches and become more involved in business development.

A first-year associate may initially perform many of the same analyses as analysts – comps, DCFs, LBO, etc. – but associates eventually transition to more senior level work. Rather than cranking through the template financial models that analysts work with, some may redesign these models or build models specifically for particular deals.

Much of the legwork that associates perform involves spreading client financials to share with potential investors or drafting private information memoranda for M&A transactions or private placements. Because of the nature of this work, associates often work closely with clients, speaking with CEOs, CFOs and other members of the management team to assemble relevant information for sales documents.

Associates quickly learn to charm clients while at the same time leaning on them to provide timely, detailed information for sales documents. Corporate finance transactions can be extremely stressful on clients (and associates), and associates must be able to navigate tough situations where clients have become fatigued and emotional by the deal process.

The Perks of Being an Associate

Despite all the pressure and long hours, there are some payoffs for associates who stick around. Depending on the firm, starting salaries for associates can range from $100k to $150k, but when you add in bonuses that are often north of 50%, total compensation can range from $150k to $250k.

Many firms have a policy that when employees have to stay at work past 7pm, they get their dinner paid for. Like analysts, associates stay past 7pm nearly every night, so free dinners can quickly add up to a lot of money.

Other perks often include reimbursement for cell phone or blackberry bills, free cab rides for late trips home and the occasional opportunity to celebrate with other bankers at a lavish closing dinner.

Career Progression

If an associate chooses to leave the investment banking world, their experience can often be leveraged to move into positions that would normally require more experience. Investment banking is incredibly rigorous work with associates wracking up double the hours of the average worker and performing their work at an intensity level that is among the highest in the business world. It is no wonder that they have an easy time excelling in other careers.

For associates who hang around, two or three years of experience usually leads to a promotion to a vice president position. Hours for vice presidents may be a bit lower, but travel is a good bit more.

A high-performing vice president can make the jump to senior vice president or managing director after several years. Although the hours and seniority of these positions may be slightly more appealing than an associate position (senior bankers can still be found at the office on many weekends), they also bear much more responsibility for bringing in new business.

Like any career, anyone considering an associate position at an investment bank should look beyond just pay and prestige and think about whether or not they will enjoy the work. Some of the most valuable benefits investment banking has to offer are the incredible experiences of working with companies during pivotal times – and the character that those experiences build.

Adam Fish, aka Professor Fish, writes on educational finance topics at Finance Ocean – an educational resource to help people broaden their knowledge of finance.

Financial Analyst Certification – How to Find the Best Training

In finding the best training for financial analyst certification, you have a plethora of choices. There are colleges, business schools, and online schools. At any time, you can supplement the knowledge you already have in this field with online training and classes. This instruction includes tests and exams to measure your success. This is a field with a very high potential for earning. Of course, this means competition with other financial analysts. As a prospective employee, your future employer often looks at your academic records. High marks in statistics, mathematics, and economics are a definite plus.

Finding the best instruction that will enhance your chances for optimal future employment are imperative. As a finance major, you may want to include advanced course work to prepare and train. Business law, cooperate budgeting, risk management and bond valuation will prepare you for future success as a financial analyst. Your general courses should include business, accounting, economics, and math. If possible, go to a business school, then take additional online classes or supplement your current status with a financial analyst certification. All of these will result in a higher salary, greater recognition in your job, and more self confidence for you.

It is vital in this age of economic turmoil that finance majors have the integrity and intelligence to help the financial sector of economy. At home or abroad, markets, business, and policies need to be remade and improved. Training that polishes your computer skills and knowledge of software programs is important. Power point, word processing, spread sheet, and database will be your common tools. Being adept with a business balance sheet and income statement are essential. These two documents alone are the primary sources of data for the financial analysis of a company. A financial analyst certification will give your prospective employer confidence when employing you.

Adding training to improve what education you already have is very accessible though the internet. Many of the world’s top financial analysts have developed programs to aid you as you seek to learn new trends and advance your career with a financial analyst certification. The long hours you put into your career will be rewarded. Studying superior communication skills will also equip you as you will develop interpersonal relationships with superiors and as a mentor. Get training for this area in your field. Being adept at both written and oral presentations will help you to communicate clearly and succinctly as an analyst in finance.

BUT… Without the right Financial Analyst Certification, you will likely end up stuck in the same dead-end job!

Get started today on the road to your $100k salary future…

Financial Analyst Job

A financial analyst job involves reviewing and analyzing the broad number of financial instruments available within a particular investment market. Based on their analyses, the financial analysis will then provide an interpretation as well as recommendations to the companies or individuals that they are working for. Financial analysis provide information that guides decisions in personal finance, corporate investments, company mergers, acquisitions and initial public offers (IPO). A financial services job can be found in a number of different companies.

Financial analyst careers based in a stock brokerage, investment firm or financial services company will be tasked with undertaking extensive research on the various options of investment that are available, analyzing the pros and cons of each depending on the companies short, medium and long term objectives, preparing the pertinent reports, making presentations on the data and recommendations to the key decision making organs within the organization. The sources of research for financial analysis are diverse and can include data on credible websites, company reports, business news, industry journals, company announcements and industry regulator reports.

A financial analyst job based in what can be termed as an ordinary non-finance business will be involved in preparing company budgets, end of year company accounts and performing financial audits to some degree. The financial analysis will be one of the key point persons in the design and negotiation of financial instruments that the business is contemplating. Such instruments or products would include foreign currency future contracts, price hedges and syndicated loans. If the business intends to raise funds through the public, financial analysis will be heavily involved in the process of structuring the IPO, rights issue, debenture, corporate bond, commercial paper etc. The financial analyst job will also prepare or oversee the preparation of dividend payouts as well as the financial reports for distribution to the shareholders.

So what do you need in order to succeed in financial analyst careers? First, you must be good in mathematics and statistics. This is because the financial analyst’s job demands a great deal of calculation and statistical data analysis. The need for mathematical aptitude cannot be overemphasized given that the reports that financial analysts develop will usually be used to make major and sometimes high value investment decisions on behalf of the institution he or she works for. But financial analysts will often be asked to make presentations to management so good presentation and reporting skills are of paramount importance. It is one thing to have accurate data-but it is completely another to communicate the data in a way that makes sense for an audience.

A financial analysis job will favor persons with an undergraduate degree in a business related field such as finance, commerce, business analysis, economics, business administration, business management, accounting etcetera. A minor, a separate degree or a postgraduate qualification in mathematics or statistics will be an added advantage. Senior financial analysts’ jobs will often have much more stringent requirements such as the need to have a Masters in Business Administration (MBA) or a Masters in Finance. In addition, many firms now require that one have professional qualifications such as Certified Public Accounting (CPA), Certified International Investment Analyst (CIIA) or Chartered Financial Analysis (CFA).

According to a salary survey, entry level salaries for financial analysts as of March 2010 ranged between $40,000 and $53,000. Financial analysis with five to ten years of experience earned between $50,000 and $67,000.

For more information on Financial Analyst Job

How to Become a Financial Analyst

Financial analysts help clients decide on how to invest their money. They work with financial institutions, insurance agencies, mutual funds, and securities firms. They frequently meet with company officers to know more about the firms in which they like to invest. After the meetings, these specialists write reports and then present the features they found out. Subsequently, they advocate investing in the firm or selling that firm’s equities.

Financial analysts may become a specialist. Those professionals who work in investment banks, study those organizations which intend to sell share through Initial Public Offering (IPO). Additionally they may study the pros and cons of a merger (whenever two businesses join together) or a takeover (when one organization acquires other). Several financial analysts are ratings specialists who find out if corporations have the means to pay their debts.

They normally operate in offices. They in many cases work on evenings or weekends. Many analysts face deadlines. Their working day is full of phone calls and meetings. Many commercial experts who are employed by financial services companies are salaried personnel who additionally receive performance-based bonuses.

The majority financial gurus have a college degree in business, accounting, statistics, or finance. A master’s degree in business administration (MBA) is ideal.

Math, information technology, and problem-solving expertise are vital. Working with people needs excellent public dealing techniques. Self-esteem, maturity, and the capability to work on your own are crucial, too. Consultants also need sound communicating skills to define problematic economic methods utilizing plain and understandable terms.

Experts in this field should be able to discover obscure facts and information about firms. To be ready for these employments, it helps to discover how to make presentations and draft papers. It also helps to read about business news. Being a fiscal expert, excellent communications knowledge are important, as you are going to present tricky investment points to clients to strategize the better solutions for their needs. Many businesses and establishments recruit finance specialists, including nonprofits to global companies. People who work in finance filed need to have more than financial insight, success in this profession normally requires public dealing expertise, solid oral and written communication skills, distinctive and vital planning, and confident decision making.

Jobs of monetary analyst must nurture much faster than average for all occupations by 2018. Banking and mutual fund organizations will need more professionals to advise which equities and bonds they need to invest in or sell. But high level of competition is predicted for jobs, simply because lots of individuals want them.

Finance Jobs – Top 10 Finance Job Opportunities

The job market is full of competition these days. It is quite difficult to get into the job of your choice. Your aim should always be clear. It is important to decide about the field in which you want to go from the very beginning.

You must choose your career very carefully. Lots of people make mistakes in choosing their career and hence they have to suffer a lot. So find out the field in which you are interested. Always make sure that you love your job.

This way you can reach to the top. Finance jobs have become quite popular these days. Lots of people are entering into this field because of the wide range of prospects in this field. There are different kinds of opportunities waiting for you in this field.

If you want to get into finance then you must have a good hold over math. These kinds of jobs are gaining more importance these days because of the finance jobs salary. The salary package is quite attractive.

In the beginning you must always try for the entry level finance jobs. These kinds of entry level jobs will help you learn the job and have a better idea about the kind of work you need to do. Other than this, you will also gain some experience in this field.

If you want to go up the ladder of success then experience is very much essential. You can try for the bigger companies as well as the bigger salaries of you have enough experience in this field.

Corporate finance jobs have also become quite popular these days. Before you enter into this field you need to learn about the top opportunities available in the finance jobs. It is important to have finance jobs description before you join.

1. One of the most popular and sought after jobs is the banking jobs. The banks usually have branches in every city and it belongs to the financial sector.

2. You can also work as an auditor if you want to join the financial sector. Auditors can be of two types. You cam either be an internal auditor or an external auditor.

3. The job of an underwriter can also help you have a good career in the financial field. But whichever job you choose in this field you need to make sure that you are responsible.

4. You can also enter into the payroll job. This is also a job which requires a great amount of responsibility. These people are there are to make sure that the employees get paid.

5. You can also get the job regarding private equity. This job might be a bit complex but is highly paid.

6. You can also join the finance jobs as an accounts assistant. You need to have certain qualifications for this field.

7. Financial director is the other job opportunity that you can get.

8. You can also choose to be a business analyst.

9. Management accountant post is also attractive.

10. Credit controller can also be one of your choices.

Financial Analyst: A Profitable Career Option for Finance Jobs!

In the current job market, the hottest job position that is more in demand is of financial analyst. A person who can meet the new expectations of the employers in the finance area will surely find more employment and professional growth opportunities.

Who is a financial analyst?

A financial analyst also known as a business analyst is a person who is involved in monitoring the financial movements of a company. The main task of an analyst is to evaluate a company’s financial risk and drafting financial forecasts. With the assistance of these analysts, companies can make well-informed financial decisions, develop cash flows, debt strategies and maintain their budgets.

Industries that demand financial analysts

There are several industries, which require a person for handling various finance related issues. Some of these industries include:

Accounting and Auditing services industry
Aerospace and Defense industry
Banking industry
Biotechnology/Pharmaceuticals industry
Business Services industry
Computer Software/Hardware industry
Construction industry
Consumer Packaged Goods industry
Education industry
Electronics, Components, and Semiconductor industry
Energy and Utility industry
Engineering Services industry
Financial Services industry

Financial Analyst Job Duties:

Evaluate an organization’s financial risk and prepare a report describing financial forecasts, financing options and capital management strategies
Assist in preparing a company’s budget
Determine cost of operations by collecting and analysing operational data
Identify the present financial status of the company by analysing and comparing actual results with plans
Establish various policies and procedures related to cost
Recommend various solutions to improve and manage financial status by monitoring and identifying financial trends
Maintain database by collecting, verifying and backing up data
Develop automated accounting applications with an aim to boost productivity
Keep financial information confidential
Work with company officials to gain a better insight into the company’s prospects and management?

Educational qualifications:

In order to get into this job position, one must have an undergraduate degree in finance, management, economics, statistics and administration. Having certifications and a graduate degree can notably enhance an applicant’s prospects. Furthermore, an internship during studies can be really fruitful in the long run.

Skills required:

Various skills required to become a successful analyst include:

Excellent communication skills including both verbal and written
Detailed understanding of companies
Superior analytical and organizational skills
Project management skills
Ability to create financial models
Ability to work independently and take sound decisions
Better understanding of financial and quantitative concepts
Must be able to manage multiple tasks, projects
Knowledge of computers and other latest technologies

Salary overview

In India, the average salary of a financial analyst is in between INR 3,00,00 to INR 4,00,00 per year. As the experience increases in this job position, the chances of higher income also increases. Furthermore, knowledge of various factors like risk management or control, valuation, SAS, SAP financial accounting, financial modeling, etc, can fetch you a smart salary.


A financial analyst job is definitely the most lucrative career choice, especially for those who are very good at analyzing financial concepts. An experience in this profile will provide you high income and other benefits. However, strong competition is expected for this job position. A deep understanding of the roles and skills and financial terms along with a relevant experience can boost your chances for getting the job.

If you are looking forward to financial analyst jobs, this post can provide you the relevant information about this job position.

Careers in Finance – An Overview

Finance is a very broad subject. Speaking in terms of employment doesn’t narrow the term much. There are a wide variety of careers and job positions available in the Finance field. Education requirements and salary expectations depend on the area of interest, as well as the geographical position.

Several careers opportunities are available in Finance. Banking is probably the more common position that comes to mind. Commercial Banking, Corporate Finance, Financial Planning, Insurance, Investment Banking, Money Management, and Careers in Real Estate are all related to the field of Finance. Studies done recently have shown that the need for people in the Finance field is growing. Incidentally, as long as there is money involved, there is a need for finance. Some characteristics of Finance professionals include; Strategic thinking, and the ability to comprehend complicated matters fairly quickly, a new, fresh perspective, and candor. If you are interested in a career in finance, you should also possess some leadership qualities, have a firm understanding of risk management, and have strong analytical and problem solving skills.

Keeping in mind that Finance is a global industry, a second or even third language would be a very helpful skill in this field. Education requirements vary, depending on the career path that you have chosen. An Associates Degree would be beneficial for a few minor career choices, but most companies require at least a Bachelor’s Degree for jobs such as accounting, investment banking, commercial banking, and so forth. You can opt to pursue your Master’s Degree, and expect to earn a much higher annual income. Income ranges with a Bachelor’s Degree start around $25,000 per year and top out at over $40,000. Starting salaries with a Master’s range from $30,000 to $80,000 annually. Incidentally, if you choose a Bachelor’s degree, your starting title would probably be “Junior Financial Analyst”, as with a Master’s it would be “Financial Analyst”. So, besides the annual income being higher, with a Master’s Degree, you can expect to have more responsibility and a much higher “clout” with companies than if you simply pursue a Bachelor’s Degree.

Whatever degree you decide to obtain, there will be specific courses of study that you must take. Actual course titles will, of course, vary by institution, but an example of your required courses would be: Developing Business Perspective, Management and Leadership, Fundamentals of Business, Marketing and Sales, Human Resource Management, Organization and Communication, Finance and Accounting, Financial Markets and Institutions, Investment and Portfolio Management, Business Ethics, Public and Nonprofit Finance, and Risk Management. Keep in mind that these courses are not the only ones that you will be required to take, depending on your choice of degree, and the institution that you attend.

The Government Finance Officers Association has information, news, and helpful links to help you whether you are in the Finance industry, or just thinking of entering finance. You can find lists of companies that are hiring, as well as their salary requirements and educational requirements. There are also links to local training events, as well as general news that affects the finance industry in the United States and Canada.

A look at some current job openings in the finance field, shows that the need for financial advisors is very much in demand. In California, an Assistant Chief Fiscal Officer, for a county government office, with only 1 year of experience, has a salary range of $81,765 to $99,424 annually. There are many opportunities in the government, if you have a finance degree, and you can expect the salary to be very competitive. Other, non-government companies, such as AIG, American Express, and local banks are a good place to get your start in the finance world. Also, private firms such as Deloitte & Touche Corporate Finance Canada, Inc., Chapman and Cutler, and William Blair & Company, all which serve the US and Canada, and other private firms hire periodically for new positions, and offer competitive salaries.

If you are inclined to seek your career in the finance industry, research companies well to find the best one for you. Educationally speaking, most colleges and institutions offer a wide range of courses, depending on the focal point of your finance choice. You would need to delve into the path of finance that you are planning to pursue, and with a little research and a good head for business, you could well be on your way to a very lucrative career in the ever-growing Finance World.

High Pay Still Found in Finance

Though the stock market remains wildly prone to fluctuations and the United States barely saved itself from veering off a fiscal cliff at the new year, the high pay of finance jobs has remained a steadfast thing. And the number of people seeking such jobs has, if anything, been on the rise-even as the amount of spots available moves the other direction on the number line.

“I’m looking to go into finance” is a common phrase among soon-to-graduate and recently graduated college students. But what exactly does “going into finance” look like? Finance is an industry, and the term blankets a lot of different positions. Finance jobs include everything from being an analyst to being a trader, from being a researcher to being a consultant. When most people think “finance,” investment banking, also called iBanking, is what first comes to mind. Specifically, bulge bracket banks like Goldman Sachs, J.P. Morgan Chase, and Morgan Stanley come to mind. But these firms only comprise a small (if highly profitable and reputable) piece of the finance pie. Job-seekers can also break into the finance career bubble through sales and trading divisions, corporate finance, hedge funds (a harder point of entry for fresh BAs), consulting firms, (McKinsey & Co., Boston Consulting Group’s HOLT associates division), private wealth (Charles Schwab, PNC Wealth Management) management firms, and even ratings agencies (Moody’s, Standard & Poor’s). And within iBanking alone, there is further job breakdown into three types of groups: capital market, product, and industry groups. Basically, “finance” is deceptively simple-there are dozens of ways to wriggle into the finance sector.

The pay, of course, differs from position to position and from company to company. At a big investment bank, first-year analysts will typically make around $70k base salary plus a $10k signing bonus and $50k to $60k year-end bonus. At a hedge fund, the hiring salary can go up to $90-$100k base plus an even more significant year-end bonus-but generally only analysts with an MBA or prior iBanking experience will make this kind of money right off the bat.Entry-level private wealth management salaries can also be over $80,000. First-year traders bring in similar base salaries to analysts but usually expect less of a bonus-around $20K to $30K. Ratings or credit analysts tend to make slightly less than these other positions, around $55K base salary, but compared to the larger scope of American and international pay grades, that is still a more-than-respectable entry-level salary. And once someone is inside the finance worlds, his/her chances for mobility into different sectors and positions greatly increase.

Of course, no money comes free, and no one getting into the finance world can expect to get his/her salary without doing a lot of work-sometimes 100 hours a week of it. Analysts joke that analysts don’t have a life, and at times that joke rings all too true. But the applications for finance jobs keep coming and will keep coming. The bonuses may not be as extravagant as they once were, nor is the path to rise through the ranks of a firm as smooth and certain. Yet no other industry can promise pretty much across the board $50k plus entry-level salaries, especially after the recession. High pay has remained a stable fact for those who can say they are “in finance,” and in unstable times, that kind of stability is something for which many are willing to fight.

The 10 Best Careers — By Starting Salary, Best Benefits, Job Satisfaction & More

Whether you’re a soon-to-be college grad or a seasoned veteran, knowing the “bests” and the “worsts” of the career world will give you a leg up in deciding where to start out, where to stay or where to move on to.

10 Best Starting Salaries

Software design & development $53,729
Consulting $49,781
Design/construction engineering $47,058
Financial/treasury analysis $45,596
Accounting (private) $44,564
Accounting (public) $41,039
Registered nurse $38,775
Sales $37,130
Management trainee $35,811
Teaching $29,733

10 Best Companies to Work For

(Based on employees’ responses to the “Great Place to Work Trust Index,” a proprietary employee survey developed by the Great Place to Work Institute.)

Wegmans Food Markets
W. L. Gore
Republic Bancorp
J. M. Smucker
S. C. Johnson & Son
Griffin Hospital
Alston & Bird
Vision Service Place

10 Most Satisfying Jobs

(Based 35 percent on potential for job growth, 35 percent on salary growth potential, 20 percent on how many in the field hold a college degree, and 10 percent on freedom to be innovative and creative.)

Personal finance adviser
Medical scientist
Computer software engineer
Environmental engineer
Biochemist and biophysicist
Sales manager
Computer system analyst

10 Fastest Growing Fields

(These will add the largest percentage of positions through 2012.)

Network systems & communications analysts 57.0%
Physician assistants 48.9%
Software engineers 45.5%
Physical therapist assistants 44.6%
Fitness trainers 44.5%
Database administrators 44.2%
Dental hygienists 43.1%
Hazardous material removal workers 43.1%
Computer systems analysts 39.4%
Environmental engineers 38.2%

10 Hottest Jobs

(These will have the most net gains through 2012 (in thousands)).

Teachers (K-12) 724,000
Registered nurses 623,000
Post-secondary teachers 603,000
Customer service reps 458,000
Computer support 420,000
General operations managers 376,000
Sales representatives 356,000
Truck drivers 337,000
Software engineers 307,000
Accountants and auditors 205,000

10 Companies With the Best Benefits

(Based on retirement plans, strong medical coverage, premium subsidies by employers, disability options, group life insurance, accidental death and dismemberment coverage, medical and retirement packages for part-time employees, and effective communication methods to enable workers to capitalize on those benefits.)

Flexible Steel Lacing Company, Downers Grove, IL
American Council of Life Insurers, Washington, D.C.
American Lung Association, New York, NY
GuideOne Insurance, West Des Moines, LA
Campus USA Credit Union, Gainesville, FL
The Washington Trust Company, Westerly, RI
Southwest Power Pool, Inc., Little Rock, AR
Glatfelter Insurance Group, York, PA
Moran Towing Corporation, New Canaan, CT
Fremont Co-operative Produce Company, Fremont, MI

10 Most Dangerous Jobs

(Based on fatality rate.)

Logging workers
Aircraft pilots
Fishers and fishing workers
Structural iron and steel workers
Refuse and recyclable material collectors
Farmers and ranchers
Electrical power line installers/repairers
Driver/sales workers and truck drivers
Taxi drivers and chauffeurs

Financial Analyst Certification – What is It?

Have you ever wondered just what a financial analyst certification is? Specifically, it means you have certification and training in being an effective financial analyst. With access to the World Wide Web, a FAC is attainable through internet classes, lessons, and tests. It is possible to be certified in 6 months when completing a quality FAC program over the internet. These programs are created by the top financial analysts. You will learn superior, tested methods that are being used in business today. Furthermore, there is no need to attend high priced seminars or conferences. You can achieve a certification in the comfort of your home on your own computer.

You will learn the top management methods so you can utilize them at your job. When you have this certification, an employer knows you have invested your time to achieve this mark. It shows you are completely dedicated to a career in your field. When your FAC is placed on your resume and business cards, employers know that you understand the language used to be an effective financial analyst. They can be confident that you can expertly communicate the language to management and co-workers. Persons holding a financial analyst certification have more self-confidence in their field, along with workplace recognition, and higher salary possibilities.

A financial analyst certification will mean that you are proficient and have been trained in many areas pertaining to managing the finances of a company. You will understand and know how to use costing, pricing, working capital, sensitivity analysis, and net present value. Interpreting and forecasting financial statements such as cash flow, income statements, and balance statements will be part of your job. You will be able to perform financial analysis with the aids of ratio analysis and contribution and margin analysis. Additionally, you will know how to apply the basic principles of accounting, notably with revenue recognition and income determination.

Jobs for financial analysts are available at investment firms, manufacturing companies, and banks. Along with your financial analyst certification, it is helpful to have these abilities. They are proficiency in math and calculus and talent in studying, understanding, and interpreting statistics for effective analysis. Businesses will need you to analyze their marketing, information technology, and research departments. Mental toughness is a plus in this field, as you advance from research and analysis to financial planning and full participation in a company’s finances. Superior written and verbal communication skills are necessary for interpreting and explaining financial data to managers within your company.

BUT… Without the right Financial Analyst Certification, you will likely end up stuck in the same dead-end job!

Get started today on the road to your $100k salary future…