- Branża: Government; Labor
- Number of terms: 77176
- Number of blossaries: 0
- Company Profile:
A professional who provides financial counseling to individuals in debt. Responsibilities include:
* Confers with client to ascertain available monthly income after living expenses to meet credit obligations.
* Calculates amount of debt and funds available to plan method of payoff and estimate time for debt liquidation.
* Contacts creditors to explain client's financial situation and to arrange for payment adjustments so that payments are feasible for client and agreeable to creditors.
* Establishes payment priorities to reduce client's overall costs by liquidating high-interest, short-term loans or contracts first.
* Opens account for client and disburses funds from account to creditors as agent for client.
* Keeps records of account activity.
* May counsel client on personal and family financial problems, such as excessive spending and borrowing of funds, and be designated Budget Consultant.
* May be required to be licensed by state agency.
Industry:Professional careers
A professional who evaluates financial condition of electric, telephone, gas, water, and public transit utility companies to facilitate work of regulatory commissions in setting rates. Responsibilities include:
* Analyzes annual reports, financial statements, and other records submitted by utility companies, applying accepted accounting and statistical analysis procedures to determine current financial condition of company.
* Evaluates reports from commission staff members and field investigators regarding condition of company property and other factors influencing solvency and profitability of company.
* Prepares and presents exhibits and testifies during commission hearings on regulatory or rate adjustments.
* Confers with company officials to discuss financial problems and regulatory matters.
* Directs workers engaged in filing company financial records.
* May conduct specialized studies, such as cost of service, revenue requirement, and cost allocation studies for commission, or design new rates in accordance with findings of commission and be designated Rate Analyst.
Industry:Professional careers
A professional who analyzes credit information to determine risk involved in lending money to commercial customers, and prepares report of findings. Responsibilities include:
* Selects information, including company financial statements and balance sheet and records data on spreadsheet, using computer.
* Enters codes for computer program to generate ratios for use in evaluating commercial customer's financial status.
* Compares items, such as liquidity, profitability, credit history, and cash, with other companies of same industry, size, and geographic location.
* Analyzes such factors as income growth, quality of management, market share, potential risks of industry, and collateral appraisal.
* Writes offering sheet (loan application), including results of credit analysis and summary of loan request.
* Describes credit risk and amount of loan profit.
* Submits offering sheet to loan committee for decision.
* May visit company to collect information as part of analysis.
Industry:Professional careers
A professional who analyzes financial information to forecast business, industry, and economic conditions, for use in making investment decisions. Responsibilities include:
* Gathers and analyzes company financial statements, industry, regulatory and economic information, and financial periodicals and newspapers.
* Interprets data concerning price, yield, stability, and future trends of investments.
* Summarizes data describing current and long term trends in investment risks and economic influences pertinent to investments.
* Draws charts and graphs to illustrate reports, using computer.
* Recommends investment timing and buy-and-sell orders to company or to staff of investment establishment for advising clients.
* May call brokers and purchase investments for company, according to company policy.
* May recommend modifications to management's investment policy.
* May specialize in specific investment area, such as bond, commodity, equity, currency, or portfolio management.
Industry:Professional careers
A professional who directs and coordinates activities of personnel responsible for formulation, monitoring and presentation of budgets for controlling funds to implement program objectives of public and private organizations. Responsibilities include:
* Directs compilation of data based on statistical studies and analyses of past and current years to prepare budgets and to justify funds requested.
* Correlates appropriations for specific programs with appropriations for divisional programs and includes items for emergency funds.
* Reviews operating budgets periodically to analyze trends affecting budget needs.
* Consults with unit heads to ensure adjustments are made in accordance with program changes in order to facilitate long-term planning.
* Directs preparation of regular and special budget reports to interpret budget directives and to establish policies for carrying out directives.
* Prepares comparative analyses of operating programs by analyzing costs in relation to services performed during previous fiscal years and submits reports to director of organization with recommendations for budget revisions.
* Testifies regarding proposed budgets before examining and fund-granting authorities to clarify reports and gain support for estimated budget needs.
* Administers personnel functions of budget department, such as training, work scheduling, promotions, transfers, and performance ratings.
Industry:Professional careers
A professional who plans, develops, and administers records management policies designed to facilitate effective and efficient handling of business records and other information. Responsibilities include:
* Plans development and implementation of records management policies intended to standardize filing, protecting, and retrieving records, reports, and other information contained on paper, microfilm, computer program, or other media.
* Coordinates and directs, through subordinate managers, activities of departments involved with records management analysis, reports analysis, and supporting technical, clerical micrographics, and printing services.
* Evaluates staff reports, utilizing knowledge of principles of records and information management, administrative processes and systems, cost control, governmental recordkeeping requirements, and organizational objectives.
* Confers with other administrators to assure compliance with policies, procedures, and practices of records management program.
Industry:Professional careers
A professional who directs financial planning, procurement, and investment of funds for an organization. Responsibilities include:
* Delegates authority for receipt, disbursement, banking, protection and custody of funds, securities, and financial instruments.
* Analyzes financial records to forecast future financial position and budget requirements.
* Evaluates need for procurement of funds and investment of surplus.
* Advises management on investments and loans for short- and long-range financial plans.
* Prepares financial reports for management.
* Develops policies and procedures for account collections and extension of credit to customers.
* Signs notes of indebtedness as approved by management.
* May act as controller .
Industry:Professional careers
A professional who directs financial planning, procurement, and investment of funds for an organization. Responsibilities include:
* Delegates authority for receipt, disbursement, banking, protection and custody of funds, securities, and financial instruments.
* Analyzes financial records to forecast future financial position and budget requirements.
* Evaluates need for procurement of funds and investment of surplus.
* Advises management on investments and loans for short- and long-range financial plans.
* Prepares financial reports for management.
* Develops policies and procedures for account collections and extension of credit to customers.
* Signs notes of indebtedness as approved by management.
* May act as controller .
Industry:Professional careers
A professional who analyzes business or operating procedures to devise most efficient methods of accomplishing work. Responsibilities include:
* Plans study of work problems and procedures, such as organizational change, communications, information flow, integrated production methods, inventory control, or cost analysis.
* Gathers and organizes information on problem or procedures including present operating procedures.
* Analyzes data gathered, develops information and considers available solutions or alternate methods of proceeding.
* Organizes and documents findings of studies and prepares recommendations for implementation of new systems, procedures or organizational changes.
* Confers with personnel concerned to assure smooth functioning of newly implemented systems or procedure.
* May install new systems and train personnel in application.
* May conduct operational effectiveness reviews to ensure functional or project systems are applied and functioning as designed.
* May develop or update functional or operational manuals outlining established methods of performing work in accordance with organizational policy.
Industry:Professional careers
A professional who directs and coordinates activities of workers involved with analyzing business forms. Responsibilities include:
* Plans and directs compilation and updating of cost and control records, utilizing knowledge of forms inventories, usage, and operating practices.
* Coordinates activities of personnel engaged in forms analysis, such as format design, increasing content effectiveness, and reducing production and processing costs.
* Plans and directs activities of workers involved in identifying form deficiencies and recommending solution, utilizing knowledge of principles and techniques of records management, government recordkeeping requirements, printing and microfilm processes, and cost specifications.
* Analyzes and evaluates staff recommendations and approves implementation of change, utilizing knowledge of forms analysis and standardization, managerial processes and systems, budgetary limitations, and organizational policies and procedures.
Industry:Professional careers
