How Do I Become a Technical Account Manager?

The bank account manager (BCM) can be said to be a bridge between banks and customers. The work is mainly customer-centric, handles customer deposits and loans and other intermediate businesses, and is responsible for maintaining customer relationships. But if you want to be an excellent bank account manager, you must have strong public relations capabilities and a systematic marketing strategy, a strong sense of service, and be able to actively mobilize the resources of commercial banks to provide customers with comprehensive and integrated services.

Bank account manager

A bank account manager (BCM) is a professional and technical person who is engaged in market analysis, customer relationship management, marketing service plan planning and implementation in a bank, and directly serves customers. (As a special company, a bank's account manager understands that the bank understands Sales staff); as a foreign business representative with rich content in the financial industry, by focusing on various available resources within commercial banks, vigorously market financial products to target customers, provide quality financial services, and build a bridge for communication and development between banks and enterprises. ; Is the source of the bank's strategic decisions and product innovation, and is the main executor to achieve the bank's overall development strategy and goals. The service industry of this post is diversified. The multiple needs of customers for credit, settlement, and wealth management have led to the diversity and comprehensiveness of marketing methods and professional skills that customer managers need to master. The account manager must do a good job in knowledge management in economy, finance, finance, law, taxation, marketing, public relations, psychology, etc. in order to do a good job of customer management and service. ^[1]

The bank account manager system has been proven by western commercial banks to be a financial innovation that can bring about huge management effects. An important role of it is to effectively control the bank's operating risks. China introduced the bank client manager system at the end of 1997. So far, some bank client manager systems have not really performed their due functions. With the increasingly fierce competition in the inter-bank market, the competition and maintenance of customers and the business share that maximizes the value of customer relationships have become the focus of inter-bank competition. With the implementation of process banking, the front- and back-office business of the bank is gradually and scientifically integrated, and the scientific marketing system will inevitably choose the main strategy of bank competition-the account manager system. Therefore, bank account managers have become an important human resource for the market expansion of commercial banks. Its quality and skills are directly related to the success or failure of a bank's marketing. The implementation of the account manager system is a complex system project, which is a concentrated embodiment of taking the customer as the center, market-oriented, and efficiency as the goal. It needs to be understood from the perspective of "bank reengineering". Process reengineering in bank reengineering includes the centralization and migration of back-office business systems, the establishment of a customer-centric business model at the front desk, the addition and integration of traditional banking outlets and account managers by electronic banking distribution channels, customer relationship management, intensive operations, etc. . Compared with other contents of bank reconstruction, the account manager system can better reflect the core concept of the bank's pursuit of value maximization, and can better highlight the characteristics of customer value orientation. In addition, it is an outward-looking, open system, full of humanity. Therefore, the account manager system has not only become the main business model of commercial bank marketing and customer development, but the construction of the account manager team also plays a pivotal role in the management of commercial banks. ^[2]

China Financial Education Development Fund

China Financial Education Development Foundation was established in 1992. It is a national public fundraising foundation with independent legal person status, which is approved by the People's Bank of China and registered with the Ministry of Civil Affairs.

The purpose of the China Financial Education Development Foundation is: in order to improve the quality of financial practitioners and popularize financial knowledge to the public, rely on the support and donations of all sectors of the society, especially the financial system, give full play to the advantages of non-profit organizations, and vigorously carry out public welfare activities related to financial education. This promotes the development of financial education.

In the 20 years since the establishment of the China Financial Education Development Foundation, with the support and donation from all walks of life, especially the financial system, we have consistently carried out activities that are consistent with the purpose, have a clear theme, and have various forms of poverty alleviation aid, commendation and reward, domestic and overseas training, special lectures and seminars .

The "Golden Benefit Project" focused on rural financial education by the foundation has made phased progress. The pilot project has been expanded to 66 counties in 12 provinces (autonomous regions) across the country to train farmers, townships, and village-level cadres at the grassroots level. There are more than 920,000 people, including financial institutions and backbones of small loan organizations.

Ministry of Human Resources and Social Security

The Ministry of Human Resources and Social Security of the People's Republic of China (MOHRSS) is the national authority of China that coordinates the management of urban and rural employment and social security policies by personnel from government agencies, enterprises and institutions. The Fourth Plenary Session of the First Session of the Eleventh National People's Congress (2008.03.11) "Structure of the State Council Institutional Reform Plan" was reviewed and established. At the same time, the National Civil Service Bureau was established and managed by the Ministry of Human Resources and Social Security.

This project is dedicated to providing professional and comprehensive training courses for bank account managers and branch managers at all levels, forging comprehensive compound talents for the existing account manager team, improving managers' understanding of the account manager system, and promoting from multiple aspects The development of the account manager system in China's banking industry. The main training targets are:
1. Students and graduates from various institutions intending to enter the banking industry;
2. Commercial bank managers at all levels of commercial banks and front-line business employees of banks;
3. Sub-branch management staff.

The account manager is the key person in the banking service and the window in the banking service window. It plays a significant role in maintaining customers, tapping customer potential, expanding customers, and improving customer loyalty. Bank Account Manager (BCM) Professional Qualification Certification, systematic professional theoretical knowledge training for those who are currently engaged in bank account manager positions and those who are planning to engage in bank account manager positions, and grasp the development of bank account manager based on the degree and characteristics of the development of bank account managers in China Trends and characteristics to focus on introducing and discussing the workflow and methods of the account manager, and to systematically and professionally train and improve its corresponding application ability, creative ability, analytical ability, and problem solving ability, so that the trainees can become high-quality Comprehensive account manager. ^[3]

(I) Application Conditions for Professional Qualification Certificate of Assistant Bank Account Manager:

Students with college degree or above (or equivalent).

(II) Application requirements for professional qualification certificate of bank account manager:

1. Financial industry workers with college education (or equivalent) who have been in the industry for two years or more;

2. Financial industry workers with a bachelor's degree (or equivalent) who have been employed for more than one year (including);

3. Work experience is not required for those with master's degree or above (or equivalent);

4. Obtain the assistant bank customer qualification certificate, you can directly apply for the bank account manager qualification exam.

(3) Application requirements for professional qualification certificate (comprehensive) of senior bank account manager:

1. Financial industry workers with college education (or equivalent) who have been employed for more than five years (including);

2. Financial industry workers with a bachelor's degree (or equivalent) who have been employed for three years or more;

3. Financial industry workers with a master's degree or above (or equivalent) who have been employed for more than one year (including);

4. No record of major disciplinary violations at work;

5. Obtain the assistant-level bank client qualification certificate and directly apply for the bank client manager qualification exam.

(I) Course learning is carried out by means of mixed training:
1. The bank client manager program uses a unified national training model, that is, unified teaching materials, unified core courses, unified syllabus and unified examination subjects;
2. According to the training plan, the training of this project is divided into three forms: face-to-face, distance learning and self-study, providing opportunities and platforms for exchange and learning among students, students and teachers; providing related follow-up education services and extended learning programs for students.
Note: Authorized institutions are responsible for the training organization of the bank account manager project, and accept the guidance and supervision of the bank account manager project management office;

(2) Schedule arrangement:

Professional bank lesson schedule for assistant bank account managers: 2 days + 1 day (pre-exam counselling) / 16 +8 hours

Bank account manager professional (private) learning class schedule: 8 days + 1 day (pre-exam counselling) / 64 +8 class hours Note: Have learned the assistant bank account manager major minus the corresponding class hours.

Bank account manager professional (for business) study class schedule: 8 days + 1 day (pre-exam counselling) / 64 +8 class hours Note: Students who have studied the assistant bank account manager major minus the corresponding class hours.

Senior bank account manager professional study class schedule: 12 days + 1 day (pre-exam counselling) / 96 +8 class hours Note: Have learned the assistant bank account manager major minus the corresponding class hours.

Courses vary according to the level of bank account manager qualification certificate issued, and are mainly divided into the following three levels:

(1) Professional Qualification Certificate Course for Assistant Bank Account Managers 1. Introduction to Bank Account Managers
2. "Theoretical Basis and Policies and Regulations of Bank Account Managers"
3. "Marketing Practices and Strategies of Commercial Banks"
(II) Professional Qualification Certificate Course for Bank Account Managers 1. Introduction to Bank Account Managers
2. "Theoretical Basis and Policies and Regulations of Bank Account Managers"
3. "Marketing Practices and Strategies of Commercial Banks"
4. "Customer Development and Customer Relationship Management of Commercial Banks"
Business direction :

"Commercial Banking Marketing Skills and Cases"
"Financial Analysis and Credit Evaluation of Commercial Bank Customers"
Personal business direction:

"Marketing Skills and Cases of Commercial Banks"
Commercial Bank Retail Business Risk Management
(3) Professional Qualification Certificate Courses for Senior Bank Account Managers < br Added to the Professional Qualification Certificate Courses for Bank Account Managers:
1. Analysis of Current Financial Hotspots and Industries
2. Wealth Management
3. Evaluation and Management of Financial Projects
4. Commercial Bank Investment Banking

Step 1: Apply for job competence assessment and participate in unified training (not less than 40 hours) after the personal information is approved.

Step 2: Apply for the post competency assessment after participating in the system training certificate;

Step 3: Announce results within 20 working days after taking the assessment;

Step 4: Obtain the corresponding level of bank account manager post competency certificate and BCM professional qualification certificate (30 working days after participating in the assessment) after passing the grade.

(I) Brief Introduction of Certification Institution

Those who pass the exam will be issued the "Bank Account Manager Post Competence Certificate" by the Education and Training Center of the Ministry of Human Resources and Social Security; and the "China Bank Education Manager Professional Qualification Certificate" will be issued by the China Financial Education Development Foundation

(2) Certificate issuance:

Note: In order to obtain the qualification certificate for the position of bank account manager, in addition to meeting the qualifications for declaration, you must participate in training and examinations and pass the test before you can obtain the certificate. The bank account manager's post competency certificate is issued by the Education and Training Center of the Ministry of Human Resources and Social Security, and is issued 30 working days after the exam.

(3) The certificate shall be uniformly numbered nationwide and shall be recorded in the Education and Training Center of the Ministry of Human Resources and Social Security. You can log on to the website of the Education and Training Center of the Ministry of Human Resources and Social Security and the official website of the Bank Account Manager (BCM) for inquiries.

The general annual salary is 40,000 to 150,000 yuan. The salary of bank account managers is often tied to performance. In addition to their basic wages, the bulk of their income depends on commissions returned by banks. Some account managers with large business volume have higher incomes than branch presidents, ranging from hundreds of thousands to millions of yuan. ^[4]

Because the account manager has rich customer resources in hand, and has high business quality and customer service capabilities, the salary is quite good. Especially for banks, it is very important to develop and stabilize depositors due to the fierce competition between other financial institutions and banks. In the long run, the prospects of client managers are also very promising. It is generally developed by bank loan officers. ^[4]