• ANZSCO详细职业描述
  • 对应学历与推荐学校
  • 新西兰就业情况
  • 短缺行业
  • 顾问主观评论

在澳新职业大典中,财务代理归属于2221金融经纪人职业小组,与小组下的其他职业共享一下的详细职业描述:

  • 监控商品价格、趋势等影响商品供求的因素;monitoring commodity prices, trends and other factors affecting the supply and demand for commodities
  • 就谷物、羊毛、矿产和金属等大宗商品的买卖进行谈判;negotiating the purchase and sale of commodities such as grains, wool, minerals and metals
  • 确定客户具体的财务和保险需求,研究和评审现有的财务和保险产品,以满足客户的需求;determining the specific financial and insurance requirements of clients, and researching and reviewing available finance and insurance products for suitability to meet clients’ requirements
  • 分析客户的财务状况,讨论财务选择,制定财务战略;analysing clients’ financial status, discussing financial options and developing financial strategies
  • 推荐符合客户需求的贷款组合;recommending loan combinations that meet clients’ needs
  • 采访潜在客户,解释保单条件、承保风险、费率和福利,并就保险金额和类型提出建议;interviewing prospective clients to explain insurance policy conditions, risks covered, premium rates and benefits, and to make recommendations on the amount and type of cover
  • 通过银行、贷款人、金融家和保险公司为客户安排保险、住房贷款抵押贷款和其他类型的融资;arranging insurance, home loan mortgages and other types of finance for clients through banks, lenders, financiers and insurance companies
  • 准备文件,列出财务、还款和贷款期限的条件;preparing documents which set out the conditions of finance, repayments and loan periods
  • 识别并就客户保险的重大风险变化提供建议;identifying and advising on significant risk changes to clients’ insurance
  • 代理综合体和商业租赁、设备融资、商业融资、项目。broking complex and commercial leases, equipment finance, commercial finance, project finance and finance for property developers

在实际工作中,财务代理的工作内容可以包括:

  • 评估客户是否有资格贷款买房/置业;assess whether a client is eligible to borrow money for a house/property
  • 向客户解释抵押贷款选择和银行提供的服务;explain mortgage options and bank offers to the client
  • 就抵押贷款和贷款结构提供建议;advise on the structure of mortgages and loans
  • 计算抵押贷款偿还额;calculate mortgage repayments
  • 向客户解释购房过程;explain the home-buying process to the client
  • 代表客户与银行联系;liaise with the bank on the client’s behalf
  • 代表客户与律师、估价师和房地产经纪人等其他各方保持联系;liaise with other parties, such as lawyers, valuers and real estate agents, on the client’s behalf
  • 为客户填写完整的申请表;complete application forms for clients
  • 组织建筑报告和房屋估价;organise building reports and home valuations
  • 组织保险。organise insurance.

在新西兰,要成为财务代理,尤其是贷款经理,你需要完成Authorised Financial Advisers (AFAs) 持牌财务顾问注册:

  • 获得National Certificate in Financial Services – Financial Advice (Level 5);
  • 从Financial Markets Authority (FMA) 获得执业资格认证;
  • 加入并完成Dispute Resolution Scheme (DRS) 的注册;
  • 完成Financial Service Providers Register (FSPR) 的注册。

一些大型的企业会提供员工在职培训机会。

高等学历上,澳新职业大典要求最低相关专业的大专学历:

Finance Broker - 财务代理Finance Broker - 财务代理

财务代理的就业机会不错,由于新西兰房地产业迅速发展,有更多的人寻求贷款与财务建议,银行业鼓励购房贷款业务,尤其是在奥克兰、惠灵顿和基督城等人口集中的大城市。拥有较好的人际交往能力以及销售能力将更有助于就业。

许多财务代理就职于大型连锁机构或小型贷款公司,也有一部分为自雇。财务代理的收入取决于个人的资历、行业声誉以及具体的工作量。一般有稳定全职工作的财务代理年薪在5万至8.4万纽币之间,自雇的财务代理收入会更多。除了工资收入以外,财务代理还赚取佣金。

不是新西兰移民局规定的短缺职业。

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