Top 4 Key Financial Roles in Investment & Fundraising Revealed

In the previous blog "What Are The Common Financial Positions In, And What Do They Do?", it was mentioned that financial work, as an industry that has evolved over the years, covers a wide range of dimensions, with almost every industry having roles related to finance. 

The financial industry can be categorized differently according to various methods. This article continues to analyze the classification of financial positions based on the two directions of Investment and Fundraising and Auxiliary Intermediaries.

Through this blog post, you will gain a basic understanding of what common financial positions are all about.

Investment and Fundraising

For financial positions in the Investment and Fundraising, the core objective is to increase the value of assets to generate excess returns. If we break it down, we can broadly categorize these into positions related to Investment and Fundraising, Banking, Securities, and Insurance.

1. Investment and Fundraising Positions

For positions related to Investment and Fundraising, the primary responsibilities involve gathering and researching information on relevant business and affiliated organizations based on the company's strategic direction. This includes studying suitable investment and fundraising methods for the company's growth, coordinating with financial institutions to discuss investment and fundraising schemes, and ensuring continuous follow-up after investment and fundraising.

The duties of these positions range from preliminary investment and fundraising research and preparation to formulating and negotiating schemes in the middle stage, as well as managing them in the later stages. 

Apart from specialized investment and fundraising firms, many major corporations have their own dedicated investment and fundraising departments. International students interested in investment and fundraising activities should pay attention to these opportunities.

2. Banking Positions

Banking positions can be primarily categorized into two areas: deposit acquisition and loan issuance. Roles associated with deposit acquisition include tellers, wealth management, and financial product-related positions. These positions are responsible for attracting as much cash as possible from the public by utilizing the banking system's deposit function.

However, the ultimate goal of deposit acquisition is to facilitate loan issuance and generate profits through loan interest. Positions related to loans are a significant component of the banking system, covering roles such as personal loan positions, corporate loan positions, and others. 

The main responsibilities of these positions include interpreting and formulating loan policies, reviewing businesses that require loans, disbursing, follow-ups, and loan recovery.

To support the deposit and loan businesses of banks, various roles are involved, such as risk management positions, accounting positions, trust positions, and financial research positions. Also, the specific responsibilities of financial business positions can vary considerably depending on the nature of the bank, impacting the work carried out in these positions.

3. Securities Positions

In the securities industry, it essentially involves the issuance, trading, and management of financial securities. Securities companies are dedicated to securities-related work, but many large corporations also have their securities departments. In the broad sense, securities encompass capital securities, money securities, and commodity securities. In the narrow sense, securities mainly refer to commonly traded securities products in the market, such as stocks, bonds, futures, options, and others. Many companies preparing to go public require the services of securities positions.

For customer-oriented positions, key responsibilities include providing advice, developing client relationships, and offering suitable securities products and services based on the client's needs. 

Operational positions include tasks like analyzing policy reports, collecting market information, managing capital accounts, and conducting strategic research. 

However, the specific duties of these positions can vary significantly depending on the brokerage firm, the type of securities products, and other factors. International students seeking to make a mark in the securities industry need to find their niche and understand the job responsibilities to make well-informed choices.

4. Insurance Positions

As mentioned in a previous article, the essence of the financial industry is the exchange of credit, and insurance is the most common product for credit exchange in daily life. Depending on the type of insurance standards, insurance can be broadly categorized into property insurance and life insurance. Based on the organizational form and operating entities, it is divided into government insurance agencies and private insurance companies.

Similar to banking and securities positions, insurance positions are primarily divided into sales and actuarial roles. Sales positions involve providing services, consultations, claims processing, and other related tasks for customers. 

Actuaries are high-level financial professionals in the insurance industry. Their responsibilities include analyzing insurance products and pricing models, building product databases, continuously maintaining existing models, and optimizing various insurance product schemes.

In addition to major insurance companies, many internet finance, e-commerce, and service companies are also involved in insurance-related businesses. International students can consider broadening their job search scope.

In Summary

Due to the nature of different companies, their business operations, and the ever-changing demands of users, it is evident that many industries contain a variety of financial positions. However, each position has significant differences within a specific business scope while also maintaining intricate connections. 

For international students seeking positions in these areas, it is essential to carefully distinguish the most suitable roles for themselves.

After presenting the positions in the Investment and Fundraising within the financial industry, the next blog will break down financial positions and responsibilities for Financial Intermediary.