Part Two Exploring Career Options
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People holding jobs in this career
cluster generally handle tasks that involve
money. Some professionals work for indi-
vidual clients, while others work for various
firms and organizations.
Professionals who work with clients
may sell banking services or other financial
products. They may give investing advice or
arrange a mortgage. They may give credit
counseling or process an insurance claim.
Whatever their job, they explain the pros
and cons of various financial decisions so
people can choose what’s best for their par-
ticular situation.
Every organization, whether profit-mak-
ing or nonprofit, has one or more financial
specialists to prepare the required financial
reports. They may also manage the account-
ing and purchasing departments and credit
card operations. If the firm buys or sells
beyond U.S. borders, these specialists must
know the financial systems of other countries.
People in this cluster need a solid back-
ground in math, organization, time manage-
ment, customer service, and communica-
tion. Although people in positions such as
bank tellers and other clerks usually need
only a high school education, most occupa-
tions in this cluster require advanced train-
ing or a college degree. Professional orga-
nizations offer certification programs that
are recognized levels of competency in the
profession. Examples are Certified Finan-
cial Analyst, Certified Financial Planner,
and Certified Public Accountant. Securities
and commodities sales agents must meet
state licensing requirements, which usually
include passing an examination.
Career opportunities are available
in every sector of the economy. Jobs will
increase due to greater levels of global
investments in securities and commodities
along with the growing need for investment
advice. Advances in technology and trends
toward direct marketing provide challeng-
ing opportunities for careers across all areas
of the cluster.