Career development planning of internal audit positions in banks

The career development planning of internal audit positions in banks involves career development channels, career goals, ability requirements, personality cultivation, experience accumulation, opportunity grasping and the second career curve. This is a problem that must be faced by friends and career development who are engaged in or ready to engage in internal audit positions in banks.

First, the value of job responsibilities

The main responsibilities are to carry out on-site and off-site audits, comprehensive audits and special audits of the bank's business management activities, and urge rectification when problems are found. The main purpose is to find problems and prevent risks.

Academic qualifications and professional requirements. Bachelor degree or above in economic management, such as auditing, accounting, finance and computerization.

Post value. According to the three-dimensional evaluation criteria of required ability, freedom of work and sense of responsibility, the value of this position is above average. As a risk control post in Chinese mainland and Taiwan Province, it plays the role of the third line of defense in risk management, with great value contribution and relatively high treatment.

Second, career development channels

1, internal audit post management channel. Internal auditor, deputy manager, manager, department vice president, department head, chief auditor (audit director) and vice president. Or vice president of the internal audit department of the superior bank, general manager of the department, etc.

2. Technical grade channels for internal audit posts. In order to arouse the enthusiasm of internal auditors, banks with large scale and more internal auditors have specially set up professional and technical rank channels for internal auditors according to their professional ability, professional skills and working years. Such as intern auditor, auditor, intermediate auditor, senior auditor, senior auditor, etc.

3. Inter-bank and cross-line development channels. There are relatively many career development channels related to internal audit positions. In addition to the management team of the department, there are also risk management channels, compliance management channels, internal control management channels, and planned financial management channels. , have the opportunity to switch channels to achieve career development.

After accumulating 3 to 5 years of post experience in the same position, if there is little hope of promotion, you can consider changing jobs across career channels. In case of recruitment for a higher-level position in the above-mentioned relevant line departments of the bank, you may consider applying for transfer to realize early promotion.

4. Job-hopping development channels outside banks. When the current rank has three to five years of experience, and there is little hope of promotion in the relevant lines in the bank in the near future, if there are new local similar banks or banks with low echelon but large scale and influence, they can consider job-hopping and cross-bank promotion in advance.

Third, career goals.

Career development goals can be divided into management rank goals and professional and technical title goals.

Position and grade objectives. The average person can rise to the third or fourth grade in his life; Fortunately, I was promoted to five or six levels; Grade 6 or above is a rocket-like promotion, which is very rare.

Professional skill level. Internal audit positions need to obtain the titles of audit series, accounting series or financial and economic series. They are auditors, accountants and economists with junior titles, auditors, accountants and economists with intermediate titles, and auditors, accountants and economists with senior titles.

You can set a goal of management rank and skill level according to your ability, choice of channels and professional characteristics, and decompose it into stages or years of life and career.

Adhere to the goal of restoring your career every year. After the reality changes, according to the post promotion, the current technical status, ability matching, objectives and related influencing factors are revised and improved. If the career path changes, it should be adjusted accordingly.

Fourth, the ability to accumulate and improve.

1, knowledge and ability.

One is professional knowledge. Fully grasp the business knowledge related to various audit and inspection activities of commercial banks. Familiar with accounting system and accounting standards, with professional technical knowledge of auditing.

No matter whether you are from a class or not, you should systematically study professional knowledge such as auditing, accounting and finance. We should also learn and master banking laws and regulations such as audit law, accounting law, banking supervision and management law, commercial banking law, company law, guarantee law, bill law and other relevant rules and regulations.

The second is basic knowledge. Need to learn general basic knowledge such as finance, audit management, bank management, financial management, internal control, cognitive thinking, communication and coordination. Familiar with banking and management activities. Strong awareness of risk identification and prevention.

Constantly update knowledge, understand and master the improvement and development of audit standards, procedures and technologies.

We should have good professional ethics and high policy level, and abide by the principles of objectivity, fairness and honesty.

2. Professional skills.

Auditors should have high professional ability, communication ability, organization and coordination ability, ability to find and analyze problems and ability to deal with emergencies.

To have the following seven basic skills:

The first is the ability to audit plans or projects. Master the auditor's skills of overall arrangement, time allocation, location selection, audit methods, sampling methods, audit focus, audit records, audit findings, evidence fixation, communication confirmation, audit conclusions and reports, rectification and tracking, and form a plan. In layman's terms, it is necessary to formulate audit plans and programs.

The second is the ability to check. Inspection is the primary function of the three basic skills of auditing: checking, looking and asking. Check what? How to sample? Why check it? How to check? These methodological skills should be mastered skillfully.

The third is the ability to see. Have the ability to check the job site, equipment, physical objects and commodity inventory.

The fourth is the ability to ask questions. You should be able to express yourself orally, ask the parties or insiders, divergent or closed questions, ask a link or the whole process, etc. You should have the wisdom and skills of fighting spirit.

The fifth is the ability to obtain evidence. The audit found out how to use the methods and skills of taking photos, copying, video recording, verification and fixed confirmation.

The sixth is the ability to prepare reports. Understand the format, content requirements, writing methods and report object path of audit report.

The seventh is the ability to track and verify. It is necessary to master the tracking and verification methods of audit rectification suggestions, urge the audited units to take rectification measures, rectify the reasons, and ensure that the rectification is in place and similar problems will not happen again.

Vocational qualification certificate. Accounting qualification certificate required by the industry; Certified public accountant certificate (CPA);

Relevant qualification certificates organized by banking associations, such as financial fundamentals, corporate credit, risk management, personal finance and other certificates.

Interested parties can obtain the qualification certificates of auditors and senior auditors organized by China Certification and Accreditation Association.

You can also obtain the International Certified Internal Auditor Qualification Certificate (CIA) and the International Internal Control Self-assessment Professional Qualification Certificate (CCSA) from the International Institute of Certified Internal Auditors.

3. Relationship maintenance.

First, get on well with the leaders. Obey and support the work, arrange the implementation of the work and have feedback; In life, care about contact, find opportunities to drink together, go shopping together, carry out weekend activities together, and contact feelings. Support your job transfer or promotion.

The second is to establish a workplace relationship circle. Have values and hobbies, work together, classmates, fellow villagers, etc. Use this as a link to establish several circles of workplace relations. Strengthen friendship and close relationship. It is conducive to obtaining workplace information, providing mutual support and helping to solve work problems and contradictions.

These relationships are important resources for your job transfer or career promotion, and help to achieve your career development goals.

Verb (abbreviation of verb) occupational character training

Internal audit positions need practical and technical professional characteristics, rational thinking and cautious behavior style.

You can further clarify the matching degree between your occupational character and the internal audit profession through the career interest test and MBTI test. According to the test results, strengthen the strengthening and cultivation of related occupational character.

Sixth, the accumulation of experience and performance.

(1) requires relevant line experience.

Audit is the position that most needs relevant first-line experience. Auditing familiar businesses can improve efficiency and make it easier to find problems.

First, you need working experience as a teller. The teller's main job is all business accounting and transaction records. These accounting and transaction records constitute all bills, vouchers and account books, reflecting all business and management activities. This is also the main object of audit. With the experience of teller, you will be familiar with the format elements of the audited object and the business situation reflected, improve efficiency and find problems more easily.

Second, you need to have working experience in credit line. Credit work contributes a lot to profits, with high technical content and great flexibility, including front-end marketing, middle-office approval and back-office post-loan management. This is the focus and difficulty of the audit. Credit work experience is beneficial to audit work.

Third, you need work experience in science and technology. Financial technology is widely used, the digitalization process is accelerated, and banking business and management activities are online and paperless. The original auditing methods are facing challenges. Scientific and technological knowledge or experience is also beneficial to internal audit.

There are two ways to deal with the inexperience of relevant lines:

First of all, learn the program files and operation procedures of relevant business lines to understand the operation procedures and basic requirements.

Secondly, master the basic provisions of the Guidelines for Internal Control of Commercial Banks on all bank management activities. Use basic rules to make up for your ignorance of specific business.

(2) Experience in auditing lines is required.

Auditing is also a post where skills can be improved through deliberate practice.

Deliberately practice should have a clear goal, some experts point out and clarify the shortcomings, give regular feedback and practice more.

First, there must be expert guidance. On the one hand, learn and communicate with experts in this major every day; On the one hand, strive to participate in the audit project team led by senior auditors. Observe, study and learn the auditing methods and ideas of experts. Participate in internal and external training courses organized by senior auditors, try to find and summarize their own shortcomings under the guidance of experts, consciously train and improve, correct deviations, and let themselves grow into audit experts quickly.

The second is to participate in more projects. Not only participate in projects assigned by leaders, but also actively participate in projects assigned by non-leaders, and accumulate audit experience through audit project practice.

The third is to attach importance to learning and thinking. In addition to learning from the audit team leader, we should also learn from other comrades with high technical level and learn from successful and failed cases. Insist on disassembling their own or others' audit cases, be diligent in thinking, be good at summarizing and mastering methodology, and improve their ability to find, analyze and solve problems.

By participating in the project, improve skills and accumulate experience.

(3) Accumulate performance.

The purpose of audit is to find problems and prevent risks.

Finding problems requires more participation in the project, and only participating in the project can have the opportunity to find problems.

However, no bank wants problems. This is a paradox that wants to find more problems.

You really found the problem or the symptom of the problem, and saved or avoided the loss for the industry. Congratulations on your excellent performance. There will be capital when the year-end summary or job competition is held.

Otherwise, we can only accumulate achievements by preventing risks. That is, how many loopholes in the system were found, how many suggestions were made and how many were adopted through the audit.

This requires you to have the ability to find problems, analyze problems and gain insight into problems, the ability to see the essence through phenomena and the professional level, and never let go of any suspicious audit findings or miss any disciplinary problems.

We should have objective thinking, rational assumptions, risk awareness and the concept of prevention. Judging the comprehensiveness, effectiveness and operability of rules and regulations; Determine the accuracy, compliance and deviation of actual implementation. Put forward suggestions to improve the system, modify the system and implement the system, ensure that the system and implementation are legal and effective, ensure that management is more standardized and scientific, and avoid accidents and cases.

The promotion of audit post requires 3 to 5 years of work experience at the same level, certain project experience, successful cases representing your performance and contribution to standardized management!

Seven, seize the opportunity

To achieve rank promotion, you need certain business ability and performance. It also requires 3 to 5 years of work experience in the current rank. More attention should be paid to the preparation and grasp of opportunities.

Regardless of promotion or job transfer, except for a few small and medium-sized banks with extensive management and backwardness, most commercial banks adopt internal recruitment or competitive recruitment.

Since it is an internal recruitment, it is more important to examine your daily work ability.

Your ability to work and your performance are very important.

One is to show yourself through activities. Actively participate in various league building activities organized by departments or units. Take the initiative to express opinions, participate in specific projects, or become an organizer. In the activity, you should not only be an audience, but also be an actor, so that leaders and colleagues can know about you and pay attention to you.

The second is to show yourself through knowledge. Apply what you have learned and be good at observing and thinking. This paper carefully combs and studies the audit scheme, audit sampling skills, financial revenue and expenditure, invoices, vouchers, account books, audit methods and skills, acquisition of audit evidence, verification of audit findings, compilation of audit reports, etc., and puts forward unique suggestions for improvement and perfection to show their knowledge level.

The third is to show yourself through special skills. If you have any special skills, such as piano, chess, calligraphy, musical instrument playing, sports, singing, writing, speaking, etc. You should show it to them through group building activities, amateur parties, colleagues' weddings and funerals, etc., label yourself as a skilled person outside of work, deepen the understanding of leaders and colleagues, and add points to your image!

The fourth is to show yourself through writing. Write the work results and experience of the unit, the experience of thinking and summing up in one's own work, and the inspiration gained from the study and research, and forward them in the internal publications of the bank or the superior bank, or publish them in the open media or from the media. This can publicize the image of the unit and make the leaders have face. At the same time, you can also show your knowledge level and improve your popularity and influence.

The fifth is to show yourself through application. Participating in the application is a means to exercise yourself and make leaders pay attention to themselves. Whether it is internal recruitment related to your career planning or not, you should actively participate. If you successfully compete for an unexpected position, it shows that you have a professional talent in this field. You just need to adjust your career plan. If you can't succeed, you will also get exercise, show your confidence and impress your leaders.

I met a bank employee who graduated from high school, participated in five competitions in two years, and finally got a management position with a bachelor's degree, and his performance was still excellent after he joined the company.

The sixth is to sell yourself through relationships. High education, strong ability, excellent performance, if you can't get what you want, you must pull relationships. Since people with poor abilities can also be promoted through relationships. Why not? In order to correct this bad phenomenon, you have to be promoted to a certain high position before you can correct it. So no matter what measures you take, you should also find the relationship inside and outside the industry. Recommend yourself through related people and realize career development. Of course, you and I both admire those colleagues who are promoted only by their abilities!

Seventh, sell yourself through self-recommendation. If you really don't want to get involved, then go to the office and find the person in charge of the human resources management department or relevant leaders to sell yourself. First explain your career goals, and then introduce your education, ability and work achievements. Show your strong desire and attract the attention of the leaders.

Through the display of ability and expertise, participation in recruitment, relationship recommendation and self-improvement, realize your career development planning goals.

If you still can't get what you want, you can only consider changing jobs.

Eight, pay attention to the second career curve

Auditing is one of the positions most likely to be replaced by AI.

Regular, cross-verifiable and stylized audit is a coding task. In particular, the auditing, verification and confirmation of digitalization, online banking business and management activities are more suitable for artificial intelligence equipment, and auditing is one of the jobs that banks can be replaced by AI.

The four major accounting firms in the world all use smart devices instead of labor to varying degrees. According to their own knowledge level, ability potential, hobbies, combined with the development trend of new technologies, choose to change industries or change jobs.

The business of internal auditors is more comprehensive. There are also many job-hopping channels in the industry, which have been listed above. It can also be used as a reference when you quit other banks. You can also change jobs in local business accounting and auditing companies. You can also settle down in your current position and wait for a unified transfer arrangement. However, you should also choose a second career that suits your spare time.

You can sort out an experience or a special hobby summarized in your work and export it as a course to sell online. You can even be an online author, contribute to the media, or start a media company by yourself or in partnership to realize the value of life.

To sum up, this paper defines the career development of internal audit positions in banks, such as career channels inside and outside banks, career development goals, required abilities and experience requirements, how to seize opportunities and personality matching. This also implies the choice of a second career. Provide guidance for your career development.

In a word, the internal audit position of the bank belongs to the medium-sized typhoon control position, which requires high business ability and is one of the positions that are valued. There are more and longer career paths to choose from. As long as we attach importance to skills upgrading, experience accumulation and performance display, and seize all opportunities inside and outside the industry, we will certainly achieve the ultimate goal of career development.