NOC 63102 金融销售代表 | Financial sales representatives
加拿大 NOC 63102 金融销售代表（Financial sales representatives）属于TEER 1 级的中学后教育职业，负责向个人和企业销售基本的存款、投资和贷款产品及服务。该职位要求具备中学学历和广泛的银行业务经验，涵盖银行、信用合作社、信托公司等多个领域。
| NOC | NOC 2021 最新版本 |
|---|---|
 职业名称 |
金融销售代表 Financial sales representatives |
 NOC 代码 |
63102 |
 TEER 等级 |
Level 1 |
 职业分类 |
销售和服务职业（6） - 销售职业（63） - 保险、房地产和金融销售职业（6310） |
职业概述
加拿大 NOC 63102 金融销售代表向个人和企业销售基本的存款、投资和贷款产品及服务。他们在银行、信用合作社、信托公司和类似的金融机构工作。
示例职位（7个）| Example Titles (7 titles)
- 信贷官员 | Credit officer
- 金融服务官员 | Financial services officer
- 金融服务代表 | Financial services representative
- 贷款官员 | Loan officer
- 抵押贷款官员 | Mortgage officer
- 销售助理 - 个人银行 | Sales associate - personal banking
- 债务顾问 | Debt counsellor
主要职责 | Main Duties
开设新的个人和非个人账户，并提供自动银行机、电话银行和在线银行服务的访问（Open new personal and non-personal accounts, and provide access to automated banking machine, telephone banking and online banking services）
面试个人、抵押贷款、学生贷款和商业贷款的申请人（Interview applicants for personal, mortgage, student and business loans）
促进存款、投资、信贷和贷款产品及服务的销售（Promote the sale of deposit, investment, credit and loan products and services）
通过提出解决方案协助客户实现财务目标，如业务扩张、债务管理、投资和其他财务目标（Assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals）
研究和评估贷款申请人的财务状况、推荐信、信用和偿还贷款的能力（Research and evaluate loan applicant’s financial status, references, credit and ability to repay the loan）
完成信贷和贷款文件（Complete credit and loan documentation）- 向分行或信贷经理提交信贷和贷款申请并提出批准或拒绝的建议；或在授权范围内批准或拒绝申请，确保机构的信贷标准得到尊重（Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection; or approve or reject applications within authorized limits ensuring that credit standards of the institution are respected）
准备逾期账户的报表并转发无法解决的账户以进行催收（Prepare statements on delinquent accounts and forward irreconcilable accounts for collector action）- 审查和更新信贷和贷款档案（Review and update credit and loan files）
- 担任现金和证券的联合保管人（Act as joint custodian for cash and securities）
就业要求 | Employment Requirements
通常需要在就业的省或地区的证券监管机构注册（Registration with the securities regulatory authority in the province or territory of employment is usually required）- 销售受监管金融产品和投资的金融服务官员需要由适当的管理机构发牌（Financial services officers who sell regulated financial products and investments are required to be licensed by the appropriate governing body）
- 通常需要完成6到12个月的贷款或信贷培训计划（Completion of a loan or credit training program, ranging from six to twelve months, is usually required）
- 加拿大银行学院提供各种培训计划和课程，雇主可能需要这些（Various training programs and courses are offered by the Institute of Canadian Bankers and may be required by employers）
- 通常需要完成中学教育和广泛的银行业务经验（Completion of secondary school and extensive general banking experience is usually required）
- 可能需要与商业或经济学相关的学士学位或学院文凭（A bachelor’s degree or college diploma related to commerce or economics may be required）
- 通常需要共同基金执照（A mutual funds licence is usually required）
附加信息
- 通过经验可以晋升到信贷和贷款管理职位（Progression to credit and loan management positions is possible with experience）
- 通过经验可以晋升到更高层次的财务规划和财富管理（Progression to higher levels of financial planning and wealth management is possible with experience）
所有职位（39个）| All Titles (39 titles)
- 银行账户官员 | Banking accounts officer
- 商业银行账户官员 | Commercial banking accounts officer
- 消费信贷官员 | Consumer credit officer
- 消费贷款官员 | Consumer loans officer
- 信贷分析师 | Credit analyst
- 信贷调查官员 | Credit investigation officer
- 信贷调查员 | Credit investigator
- 信贷官员 | Credit officer
- 债务顾问 | Debt counsellor
- 金融销售和服务官员 | Financial sales and service officer
- 金融销售和服务主管 | Financial sales and service supervisor
- 金融服务官员 | Financial services officer
- 金融服务代表 | Financial services representative
- 重点账户专员 | Key accounts specialist
- 放贷服务官员 | Lending services officer
- 放贷服务实习生 | Lending services trainee
- 贷款检查员 | Loan inspector
- 贷款官员 | Loan officer
- 贷款顾问 | Loans adviser
- 贷款代理人 | Loans agent
- 贷款分析师 | Loans analyst
- 贷款顾问 | Loans counsellor
- 贷款主管 | Loans supervisor
- 商户服务专员 - 金融 | Merchant services specialist - financial
- 抵押贷款顾问 | Mortgage consultant
- 抵押贷款顾问 | Mortgage loans consultant
- 抵押贷款官员 | Mortgage loans officer
- 抵押贷款官员 | Mortgage officer
- 个人银行员 | Personal banker
- 个人银行账户官员 | Personal banking accounts officer
- 个人银行代表 | Personal banking representative
- 个人金融服务助理 | Personal financial services associate
- 个人金融服务官员 | Personal financial services officer
- 个人贷款官员 | Personal loans officer
- 销售助理 - 个人银行 | Sales associate - personal banking
- 销售官员 - 金融 | Sales officer - financial
- 高级贷款官员 | Senior loans officer
- 学生贷款官员 | Student loans officer
排除职业 | Exclusions
- 贷款和信贷经理 - 银行或信托公司 | Loan and credit manager - banking or trust company (in10021 Banking, credit and other investment managers)
- 其他金融官员 | Other financial officers (11109)
- 银行、保险和其他金融文员 | Banking, insurance and other financial clerks (14201)
- 客户服务代表 - 金融机构 | Customer services representatives - financial institutions (64400)
Canada National Occupational Classification (NOC)
Code: 63102
Title: Financial sales representatives
Type: Unit Group
Level: 5
Occupational Overview
Financial sales representatives sell basic deposit, investment and loan products and services to individuals and businesses. They work in banks, credit unions, trust companies and similar financial institutions.
Example Titles (7 titles)
- Credit officer
- Financial services officer
- Financial services representative
- Loan officer
- Mortgage officer
- Sales associate - personal banking
- Debt counsellor
Main Duties
- Open new personal and non-personal accounts, and provide access to automated banking machine, telephone banking and online banking services
- Interview applicants for personal, mortgage, student and business loans
- Promote the sale of deposit, investment, credit and loan products and services
- Assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals
- Research and evaluate loan applicant’s financial status, references, credit and ability to repay the loan
- Complete credit and loan documentation
- Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection; or approve or reject applications within authorized limits ensuring that credit standards of the institution are respected
- Prepare statements on delinquent accounts and forward irreconcilable accounts for collector action
- Review and update credit and loan files
- Act as joint custodian for cash and securities.
Employment Requirements
- Registration with the securities regulatory authority in the province or territory of employment is usually required.
- Financial services officers who sell regulated financial products and investments are required to be licensed by the appropriate governing body.
- Completion of a loan or credit training program, ranging from six to twelve months, is usually required.
- Various training programs and courses are offered by the Institute of Canadian Bankers and may be required by employers.
- Completion of secondary school and extensive general banking experience is usually required.
- A bachelor’s degree or college diploma related to commerce or economics may be required.
- A mutual funds licence is usually required.
Additional Information
- Progression to credit and loan management positions is possible with experience.
- Progression to higher levels of financial planning and wealth management is possible with experience.
All Titles (39 titles)
- Banking accounts officer
- Commercial banking accounts officer
- Consumer credit officer
- Consumer loans officer
- Credit analyst
- Credit investigation officer
- Credit investigator
- Credit officer
- Debt counsellor
- Financial sales and service officer
- Financial sales and service supervisor
- Financial services officer
- Financial services representative
- Key accounts specialist
- Lending services officer
- Lending services trainee
- Loan inspector
- Loan officer
- Loans adviser
- Loans agent
- Loans analyst
- Loans counsellor
- Loans supervisor
- Merchant services specialist - financial
- Mortgage consultant
- Mortgage loans consultant
- Mortgage loans officer
- Mortgage officer
- Personal banker
- Personal banking accounts officer
- Personal banking representative
- Personal financial services associate
- Personal financial services officer
- Personal loans officer
- Sales associate - personal banking
- Sales officer - financial
- Senior loans officer
- Student loans officer
Exclusions
- Loan and credit manager - banking or trust company (in10021 Banking, credit and other investment managers)
- Other financial officers (11109)
- Banking, insurance and other financial clerks (14201)
- Customer services representatives - financial institutions (64400)
Occupational Classification Breakdown
| Classification Level | Category |
|---|---|
| Broad occupational category | 6 – Sales and service occupations |
| TEER | 3 – Occupations usually require a college diploma or apprenticeship training of less than two years; or more than six months of on-the-job training |
| Major group | 63 – Occupations in sales and services |
| Sub-major group | 631 – Occupations in sales |
| Minor group | 6310 – Insurance, real estate and financial sales occupations |
| Version | NOC 2021 Version 1.0 |