Finance, insurance and real estate

Money is an essential and vital resource for all of us, so we work very hard to earn it, insure ourselves financially for days when we may not be able to work, and some of us even invest our money in real estate in order to create a steady side income. Therefore, the fields of finance, insurance, and real estate are constantly increasing and offer many and varied employment opportunities. Most jobs in these fields are intended for people with appropriate academic education, relevant work experience, high-level mathematical and analytical abilities, familiarity with computer software, and sometimes also service consciousness and management skills.

Which professions belong to the fields of finance, insurance, and real estate? Teller, banker, insurance agent, and real estate agent, for example, are excellent roles that allow inexperienced young people to take their first step in these areas. On the other hand, professions such as economist, financial analyst, accountant, appraiser, and real estate manager require an academic education and are suitable for people who have gained experience in their field. The consulting professions have also become popular in recent years. Professionals like financial advisors, mortgage advisors, and investment advisors have become very popular both for businesses and for individuals looking for a person to help them make wise financial decisions.

An analyst is a person whose job is to analyze data, so a financial analyst is a person who analyzes data related to finances. As part of the role, the analyst must collect appropriate data, analyze it, and prepare a report or financial forecast. The analyst's products help the company or organization formulate critical decisions about the future and maintain financial stability.

The analyst is required to demonstrate independent work skills, data analysis and analysis skills, sales control, know how to generate reports, conduct research, and conduct market and statistical surveys. For data analysis and control of Office software, for example, Excel, legal experience may be given an advantage.

Actuarial science is a science that uses mathematical, statistical, and economical techniques to solve economic problems. There are three main types of actuaries, and they are divided according to specializations: Actuary of life insurance, pension, and health specializes in problems related to mortality, disability, and life-threatening situations. A general insurance actuary specializes primarily in property insurance, financial liabilities, and risk management issues—a financial actuary who specializes primarily in issues related to future investments.

The actuary is required to have particularly high mathematical abilities, to have data analysis abilities, and to have knowledge in designing actuarial models. Job requirements are usually a bachelor's degree in statistics or actuarial studies, experience working with databases, and familiarity with Excel at a high level. Actuaries are needed in the field of insurance, pension funds, health care, and many other areas.

A banker is a professional specializing in banking in various sub-specializations, such as credit, foreign currency, securities trading, and more. The training for the role of the banker is done within the framework of the banks' training centers and at universities within the framework of economics and business administration. Among the various roles performed by the banker: handling cash and checks, current accounts and investments, credit and foreign exchange, building a mortgage portfolio for potential customers, and providing service to existing customers in the areas of credit, collection, and customer service.

When accepting a job, candidates for the banking position must present appropriate training in the field, high ability to provide service and sales, ability to formulate and fully master the native language orally (mastery of other languages ​​will be an advantage), high motivation and desire to integrate into the banking system and ability to work with advanced technology systems. Bankers can work in a variety of banks in their country according to their preferences.

A budget controller is a person whose job is to manage a project budget, make payments to suppliers and monitor additional payments, monitor the progress of the project in the financial-commercial aspect, manage schedules, perform budget control, produce progress reports, write and implement work processes and sometimes also plan a budget and promote projects.

The requirements are usually academic education in a relevant field such as economics or business administration, commercial understanding, mastery of Office software and especially Excel, English with a high level of written and verbal command, responsibility, ability to get down to details, order, and organization. Those with experience in SAP, Priority, and BI systems and those with previous experience may benefit.

A collection representative is a person whose job is to collect debts from businesses or individuals, whether in person or by telephone. The representative handles debt requests, addresses the relevant person or business, asks them to repay the debt, and deals with objections, if any. It must also receive payments and service agents. Ultimately, the collection representative needs to agree with the debtor for the payment to be made.

The collection representative must be assertive, have the ability to negotiate, have excellent interpersonal skills, orderly and organized, calm, knowledgeable in Office software and especially in Excel, with persuasive abilities and patience. Since it is a matter of working with people, it is possible to give an advantage to speakers of languages ​​other than Hebrew.

The treasurer is responsible as part of his role for the management of finances in companies and organizations. He must manage the flow of funds in the company, build a budget, mediate between many financial parties and the company, handle payments, prepare financial reports and look for avenues of investment.

The treasurer's role covers various fields. The requirements for this position are usually a degree in accounting, business administration, industrial engineering, and management or economics. Holders of other academic degrees usually take a treasury course. It also requires Excel mastery, mathematical thinking, punctuality, and responsibility.

Salary Calculator is responsible for calculating wages for the company's employees. He is also responsible for drafting wage agreements for new employees, making sure that the entire wage process is proper, meaning a proper wage slip and also the proper wage award. The payroll accountant must be familiar with the employees' various tax laws and payroll agreements. The payroll accountant is required to transfer payments to both Social Security and income tax, and in relevant cases, he is responsible for transferring compensation payments to employees.

Standard requirements are education in accounting and payroll accountancy, experience in the field, knowledge of the relevant software, command of Excel, knowledge of labor law, English at a good level, honesty, and reliability. Payroll accountants are needed in every company or organization, and there are companies that employ payroll accountants, and their services are hired by private companies.

An underwriter is a person whose job is to decide whether to insure a customer in the company and, if so, under what conditions. The underwriter's job is to assess the risks to which the client is exposed, determine the terms of coverage accordingly, and negotiate with insurance consultants and agents to complete the underwriting process. The underwriter is also responsible for regularly handling existing policies, i.e., updating and renewing them, guiding agents and giving them a professional response, and dealing with senior officials in the company.

The requirements of the profession are usually a bachelor's degree in a relevant field such as economics, business administration or law, English at a very high level, ability to go into detail, rigor and thoroughness, independence and decision-making ability, ability to work in teams, ability to persuade and negotiate, work in a multi-tasking environment. Good service and interpersonal skills.

A bank teller has a position in the bank that provides essential services to the customer base. The teller deals with receiving customers, handling customer requests, depositing and withdrawing checks and cash, opening and closing a cash register, performing sales tasks, and initiating service. The teller role is often used as the entrance gate to work at the bank, and later it is possible to advance from it to various banking positions at the bank's branches.

Usually, to be accepted for the position, academic education in the field of economics or business administration will be required. Many times, a male or female student in these professions, which are available full-time, will be able to be accepted for the position. Candidates must also have excellent interpersonal skills, sales ability, deal with time pressures and loads, punctuality, order, and organization. Tellers can work in various banks according to their preferences.

An investment advisor is a person with an education in the economic field, and his job is to advise clients regarding financial investments. The investment advisor must monitor his client portfolios, raise funds and new clients, be constantly updated on market conditions, and with renewed professional information. If appropriate authorizations are given to the investment advisor on behalf of the client, he can even make sales and purchases of securities and the like at his discretion.

Investment advisers are usually needed in banks and investment houses. Standard requirements are an investment advisory license from the Securities Authority, a bachelor's degree in economics, business administration, or another financial field, experience in independent trading, command of a high level of English, a high sense of service, and good human relations. Those with experience in the field may be given an advantage.

A tax advisor specializes in state tax law and provides advice on the subject to companies, small businesses, and the self-employed. As part of consulting services, proper tax planning is also possible. The tax advisor mediates between his clients and the tax authorities, submits tax reports every month, produces annual reports, calculates and monitors tax returns, updates databases, and handles the bureaucracy involved in the entire process.

The tax advisor must have extensive knowledge of tax laws and be frequently updated on changes and new tax regulations. Standard requirements for this profession are a tax consulting license, education in accounting or bookkeeping, control of Office software, self-discipline and self-work ability, good interpersonal skills, responsibility, strictness, big head. Those with experience in the offices of tax consultants or accountants may be given an advantage.

A mortgage adviser is a person who provides comprehensive advice to mortgage lenders. As part of the role, the consultant holds meetings with existing clients and potential clients, accompanies the client in the decision-making process, adjusts the mortgage for the client, and analyzes the client's needs and repayment capabilities. In addition, the consultant should be in touch with bankers, appraisers, lawyers, and the authorities.

Mortgage advisers are needed mainly in banks and financial advisory offices, and therefore the requirements may vary slightly between jobs. However, the requirements are usually a bachelor's degree in a relevant field such as economics or business administration, expressiveness, knowledge, and experience in the field of mortgages, services, control of office software, excellent interpersonal relationships, independent learning ability, reliability, integrity, order, and organization.

A financial advisor is a person whose job is to help businesses and individuals streamline their financial conduct and save money. He does this by examining income and expenses, and after concluding, he builds a financial plan. As part of his role, the consultant performs economic valuations of companies and financial instruments, builds models, reviews opinions, performs transactions and purchases, and analyzes and processes data.

The requirements are usually a bachelor's degree in a relevant field such as economics, accounting, or business administration, familiarity with pension funds, provident funds, and various insurances, high-level English, Excel control, excellent interpersonal relationships, ability to work under pressure and meet schedules, written and owner expression Here, the ability to learn independently and the ability to work in a team.

Retirement counseling is providing objective advice to a person regarding their pension savings through provident funds, pension funds, and so on. The role of the pension advisor is to adjust the savings to the client according to his desires, the degree of risk he wants to take, and his preferences and needs. He must also retain existing customers, initiate meetings with them, and sometimes find new ones. There are pension advisors who also market pensions, and they work mostly in insurance agencies or investment houses.

The requirements for the profession are usually academic education in a relevant field such as economics or business administration, a license in investment marketing/portfolio management, the ability to negotiate, excellent human relations, control of computer software, and a high level of expression. In addition, pension advisers are needed in investment houses, insurance agencies, banks, and companies that deal in pension investments.

An economist specializes in economic analysis and assists in making economic decisions. As part of his role, an economist maps financial data, monitors economic trends, creates financial forecasts, serves as an economic advisor, researches the production and distribution of financial resources, is responsible for monitoring and predicting economic performance, and interpreting complex financial data using various methodologies and research tools. Surveys, market research, and preparation of tables, graph charts, simulations, statistical analyzes, and mathematical models. An economist's insights help companies operate in the market and formulate economic policies appropriate to the current situation, financial resources, and what the companies are interested in achieving in the future. Economists are employed in a wide range of frameworks, including financial consulting firms, research firms, academia, government firms, and companies in the public or private sector.

The position of economist requires a degree in economics or engineering, industry, and management, experience in performing analyzes and economic reviews, experience in building financial models, a broad systemic vision, the ability to go down to details, control of financial instruments, and the ability to learn quickly. In addition, high-level command of SAP and English may be required.

A fundraiser is engaged in raising resources for the company or organization he represents from wealthy people and individuals. Resource recruiters are often needed for non-profit organizations, educational institutions, higher education, medical centers, start-up companies, and more. The role of a fundraiser is very important for these organizations, as a regular cash flow helps their constant development: further research, expanding the scope of activities, recruiting additional staff, establishing branches and branches, expanding the organization's institutions, and renovating them and more.

A fund raiser's role includes building a fundraising strategy, finding donors who are interested in the organization's field of practice and contacting them proactively, drafting written requests, organizing fundraising events, traveling abroad, making meaningful connections with donors, and maintaining continuous contact with them even after donating. Employers are most often looking for resource recruiters with charisma and personal charm, high oral and written expression, excellent command of English and other foreign languages, emotional intelligence and ability to read situations, mental flexibility, ability to like others, and build a positive reputation for investors.

Insurance salespeople adjust different insurance policies for customers according to each customer's specific needs. His job includes making phone calls to prospects and proactively soliciting company customers to change their insurance terms. Working in sales requires assertiveness, persuasiveness, understanding the customer's needs, and addressing objections. As a result, some employers will prefer candidates with a background in the insurance world, experience in sales, command of foreign languages ​​, and experience working with various computer applications such as office software, lead management software, and more.

This is not an easy job as an insurance seller has to meet periodic sales targets. Still, it is a rewarding profession, as most employers offer relatively high wages, sales bonuses, and excellent working conditions.

An accounts manager is a person who is responsible for receiving and executing financial transactions, negotiating, working with suppliers, monitoring cash flow, reporting to authorities, and producing invoices. There are several types of account managers - type 1 account manager, type 2 account manager, and certified account manager, i.e., type 3 and above. The higher the rank of the accountant, the more responsibilities are added to it.

To be hired as an accounts manager, one must present an appropriate accounting certificate for the job, demonstrate accuracy and attention to detail, good interpersonal skills, administrative skills, control of computer software like Excel, and data processing software like SAP, Priority, or Accountant. Advantages will usually be given to those with other relevant experience and education. Accountants are needed in a variety of companies engaged in various fields.

A finance manager is responsible for managing the funds and calculating the salary in the organization. As part of his role, the finance manager is responsible for maintaining the proper financial condition of the organization, internal control, and financial planning and management by reading financial data, risk management, and establishing the organization's financing system. In addition, the finance manager oversees all financial aspects such as relationships with banks, credit companies, salaries, and employee rights, and negotiations with suppliers. In the course of his work, a finance manager is required to develop internal financial policies and procedures, ensure that the organization operates by the requirements of the law in terms of taxes, deductions, and payments, prepare the information for the board, document financial transactions and maintain the organization's financial accounting system.

The position of finance manager requires relevant education in economics, business administration or an accountant's certificate, experience as an accountant, experience in budget management, employee management, and negotiation management, complete command of Excel and sometimes Google Sheets, services, and occasionally high-level English.

Every year many people decide to invest their money in the real estate market due to it being particularly stable and profitable. As a result, many people turn to a real estate manager for advice and guidance in the field. So, who is a real estate manager? A real estate manager is a person who manages assets for people or companies that invest in real estate for profit. The day-to-day conduct of this manager may vary depending on the investor's requirements. For example, some investors are interested in developing and raising the value of the property they bought, in which case the manager must work with the authorities, take care of the ongoing maintenance and care of the property, finding more buyers. While others are interested in buying properties for rent, the real estate manager's role in strategic planning is to reduce expenses and increase profits. He must also locate potential customers, sign contracts and oversee the maintenance of the property.

Due to the nature of the job, to be successful in real estate management, one must have charisma, pepperiness, and assertiveness, with high verbal and written expressive abilities. In addition, many employers are looking for people with previous experience in sales and management of real estate projects who are proficient in this competitive market in all its aspects.

A broker or trader in the capital market is a person who buys or sells securities, foreign currency, commodities, and the like. The job definition may vary between companies but usually includes conducting forex trading, stocks, bonds, securities, etc., dealing with local and foreign banks, providing answers and assistance to the company's employees and customers, maintaining contact, and controlling trading activities, with Company customers and portfolio management.

Standard requirements are a bachelor's degree in a relevant field such as business administration or economics, control of Office software and especially Excel, familiarity with trading systems, analytical skills, excellent interpersonal skills, and the ability to work under pressure. Capital market traders are mainly needed in investment houses and banks.

A real estate agent or realtor is a person whose job is to match a potential buyer or tenant with a property. Apartment owners can hire the realtor's services to find buyers/tenants for them, and similarly, tenants/buyers can contact a realtor to find a suitable property for them.

Job requirements are usually a real estate brokerage license, previous experience in sales, human relations and excellent social skills, familiarity with social networks and marketing platforms, order and organization, ability to work with several factors simultaneously, responsibility, reliability, high work ethic, and motivation. Advantages may be given to holders of senior real estate consultants' certificates, those with experience and speakers of languages ​​other than their native language.

The insurance field is wide-ranging, and the variety of insurances offered in the market is huge. In order for each person to buy the insurance that suits him, he must contact an insurance agent who has one of his duties. The role includes contacting customers, adjusting insurance products for each person according to his needs, managing customer portfolios, renewing completed insurance policies, and formulating quotes.

The insurance agent should be familiar with various insurance policies, proficient in life insurance, health, pension, home and contents insurance, and so on. The requirements of the profession are usually a valid insurance agent license, knowledge of insurance companies' computer systems, data analysis capabilities, control of Office software, sales capabilities, meticulousness, charisma, reliability, and honesty. Those with relevant experience in the field may be given an advantage.

An insurance reviewer is a person whose job is to recommend to the insurance company whether to insure a particular person, property, or company. For example, an insurance reviewer warns of risks and accordingly recommends to the insurance company under what conditions to insure the applicant, whether certain safety measures should be taken, such as installing an alarm in a business, and the like.

There are different types of reviews, so each reviewer should have slightly different skills. For example, a property surveyor should be able to assess a property's value, such as jewelry, artifacts, appliances, and the like. The insurance reviewer must be experienced in the field of risks, have a good human relationship, be responsible, strict, and pay attention to the smallest details. Insurance reviewers are usually needed at various insurance agencies.

A statistician is a person who deals with statistics. Most statisticians work in universities, teaching and research, conducting opinion polls and election samples, companies that offer statistics services, rating calculations, conducting actuarial calculations and providing statistical information to various economic industries.

To perform his job, the statistician collects, processes, analyzes and deducts data from them. The goal of the statistician is usually to predict future results or to reflect an existing situation. Standard requirements for this profession are a bachelor's degree, good interpersonal relationships, teamwork, quick learning ability, high-level English, self-discipline, responsibility, and accuracy. An advantage will usually be given to those with a master's degree in statistics and those with experience in the field.

A claims settler is a person whose job is to manage claims from beginning to end. The role includes dealing with many external parties, such as investigators, lawyers, and medical entities, as well as with internal organizational departments such as collection and underwriting departments. He must also give a telephone answer, receive documents and requests for refunds, check exceptional requests, check insurance eligibility, verify that all claim documents are correct, and monitor the development of the claim until it is closed.

The requirements for a claim broker/settler position are usually assertiveness, ability to go down to details, control of Office and insurance software, ability to negotiate, high written and oral expression, good interpersonal skills, responsibility, thoroughness, order, and organization. Law graduates may be given an advantage.

A payroll assistant helps calculate wages at work, i.e., helps calculate wages for employees. As part of his job, an assistant accountant collects and collects data for systems, such as a report of hours and attendance of each employee. In addition, an assistant accountant is responsible for examining pay slips and their components, including commissions, bonuses, overtime Deductions, and vacations, and making updates on salary records while addressing insurance coverage, exemptions, deductions, and salary increases. In addition, on the salary, answering questions and requests, and handling tax refunds.

The position of Assistant Accountant requires a certificate in payroll accounting, Excel control, order and organization, experience in data optimization, comprehension, and numerical thinking. In addition, a degree may be required in one of the following: Business Administration, Economics, Accounting or Information Systems, and Statistics.

An accountant is a professional who specializes in accounting. As part of his work, the accountant audits financial statements and gives his opinion on them. Accountants have extensive knowledge and education in the fields of accounting, taxation, finance, accounting auditing, and other fields.

When hired as accountants, candidates must present appropriate field training and a license to practice the profession on behalf of the Board of Accountants in Israel. Employers will look for employees with vigor, assertiveness, high motivation, initiative, responsibility, ability to function under pressure and multi-tasking, ability to work independently and in a team, as well as research and analysis ability. In addition, employers will usually require knowledge of office software, especially Excel, and dedicated software such as Conto, SAP, and more.

An insurance referent is a person who deals with the technical aspect of selling insurance policies, that is, linking customers to insurance agents or insurance companies. To do this, he must understand the field of insurance in depth. Depending on the insurance field, an insurance referent can specialize in life insurance, health insurance, pension insurance, contents insurance, etc. The referent also provides telephone answering to customers, produces insurance policies, monitors insurance offers, updates existing policies, and more.

Standard requirements are relevant knowledge in the field of insurance, excellent interpersonal skills, familiarity with computer systems of insurance companies, control of Office applications and especially Excel, ability to work under pressure, accuracy, order, and organization. You can find insurance referral jobs in companies and insurance agencies, import companies, insurance departments of large organizations, and the like.

An appraiser is a person who deals with the valuation of property or damage caused to property. There are several types of appraisers, some of whom are engaged in appraising real estate assets, and some are engaged in appraising the value of damages caused to vehicles, property, vessels, or agricultural crops. With its conclusions and can be used as a professional opinion.

In order to work as an appraiser, obtaining a license and having a bachelor's degree recognized by the Council for Higher Education is necessary. Beyond an academic degree and a license, the requirements usually include self-learning ability, good interpersonal skills, initiative and ability to work independently, seriousness, and responsibility.

The role of a cost accountant is to determine different costs in projects. Pricing is required to set a reasonable price for products or services to increase the company’s profits as much as possible. To do this, the pricing needs to gather information on all the company’s revenue and expenses, consider fixed expenses, analyze all the data collected, research projects and check if the company should start with them, negotiate with suppliers and handle tenders.

The role of pricing is critical as, based on its work and conclusions, the company is able to make more informed decisions. Therefore, personally, the role of pricing requires responsibility and head magnification, good interpersonal skills, and charisma. In terms of professional requirements, the costing agent must have relevant education in the economic field, for example, a degree in accounting, economics, or industrial engineering and management. In addition, he must master Office applications and have experience in the relevant field.