Financial Blog

What is Financial Analyst? What does a Financial Analyst do? [Know Everything]

Being a financial analyst is one of the most popular vocation ways in finance. Are you interested in Finance?? Can you do research all day?? Then you must opt for a Financial Analyst job profile.

The employment of financial analysts is estimated to grow as quickly as the average for all occupations. Developing scope for financial products and the requirement for deep knowledge of geographic regions are expected to rise to high employment growth.

Financial Analyst Job Description

Financial analysts are in charge of providing guidance to businesses and individuals making investment decisions. Their work includes plans, analyzing business performance and market conditions to create forecasts, and help to make tactical and strategic decisions by providing periodic finance reports.

To make predictions about businesses, sectors, and industries, financial research macroeconomic and macroeconomic conditions along with company fundamentals. They often suggest that buying or selling a company’s stock depends upon its overall performance. Not every financial analyst analyzes the stock or bond markets or helps in investments. Organizations may also hire them to use numerical data to spot the effectiveness of different marketing methods.

Types of Analyst Positions

  1. Buy-Side Analysis

The majority of financial analysts work on the buy-side. They help their employers make decisions on how and where to spend their money. They perform financial research on companies, deriving formulas, and strategies that will help the buying firm earn the biggest potential risk-adjusted return on their capital. Normally they are engaged in reading current news and trends, tracking down valuable details, and building financial models.

This kind of analyst finds out how favorable an investment seems and how those investments fit with the fund’s investment strategy. Their suggestions are depending on their research and analysis. The success of these analysts is measured by the quality of their financial modeling. Buy-side analysts require to obtain data from reliable sources.  

2. Sell-Side Analysts

At a sell-side organization, analysts gauge and compare the quality of securities in a given sector. Depending on these analysts, analysts then write research reports with certain suggestions. Recommendations like buy, sell, strong buy, or hold. They also track the stocks that are in a fund’s portfolio in order to find out when or if the fund’s position in that stock should be sold. The suggestions from them carry a great deal of weight in the investment industry, as well as for individuals employed at buy-side firms.

Sell-side analysts play responsibilities such as suggesting corporate clients on major transactions and mergers and acquisitions. Enable increasing capital, including debt and equity. To win business, build contacts with corporates. Serve equity research coverage of listed organizations. They perform financial modeling and valuation.

Indeed, even inside these specialists, there are subspecialties: analysis who center around stocks or on fixed-pay instruments. Numerous analysts likewise practice much further inside a particular area or industry. An examiner may focus on energy or innovation, for instance.

3. Investment Banking and Equity Analysts

These analysts often play a role in finding out whether or not certain deals within companies. Companies for example initial public offering, mergers, and acquisitions are feasible depending on corporate fundamentals.  They closely analyze small groups of stocks with respect to serve intuitive investment ideas and suggestions to the companies’ sales executives and traders.

Normally equity research analysts focus on a small group of stocks under specific industries or geographic regions. Equity analysts become professionals in the particular firms and industries that they analyze. They help make the purchase and sell decisions for huge banks and who attempt to locate favorable IPO opportunities. They are among the highest-paid professionals in the field of financial analysis. They often deal with big sums of money.

Duties and Responsibilities of Financial Analyst

  • Advice clients on the financial status of their business, investment opportunities, financial strategies, and suggest a restructuring of the business towards a more profitable end.
  • Their work involves financial forecasting, reporting, and operational metrics tracking.
  • Always analyze financial data and create financial models to support decisions.
  • Generate reports on financial data.
  •  Inspect old results, perform analysis, identify trends, and make recommendations for improvements.
  • To ensure accurate financial reporting work closely with the accounting team.
  • Always judge financial performance by comparing and analyzing actual output with plans and forecasts.
  • Give an analysis of trends and forecasts and recommend actions for optimization.
  • Study proposed changes in methods and materials.
  • Always perform market research, data mining, and business intelligence
  • Keeps proficiency with Microsoft Excel, Access, SQL, and Business Objects.

Job Requirements 


  • To become a financial analyst candidates need to have a Bachelor’s degree in accounting, finance, economics, or a related course of study. 
  • A Master’s degree in this specialization helps to deal at the entry-level.  
  • Certification is not a must but having a Chartered Financial Analyst (CFA) certificate can boost career prospects. 
  • Having work experience in the same industry will help to get a higher position and higher salary package.

Certification Exams to Take

Now, let us tell you why you should go for certification exams! Such exams are signifiers of expertise in a determining aspect of the financial industry. Individual seeking a certification normally requires doing hours of coursework and then pass an exam.

There are different certifications out there. Let’s see what those are:

  • CPA (Certified Public Accountant)

This license is for accountants, financial analysts, and tax preparers. The CPA license is one of the most widely recognized financial certifications. It can be helpful for those individuals looking for financial advice related to decreasing taxes and organizing investments.

  • CFP (Certified Financial Planner)

Such planners are skilled in topics across the financial field. CFP assess their client’s full financial portfolio and then serve personalized financial plans. To become a CFP an individual must complete a set of courses, then pass a 7-hour test.

  • ChFC (Chartered Financial Consultant)

This certification was developed as an alternative to the CFP certification. ChFC is who you should work with if you have a niche requirement. Requirements like financial planning for divorce or small business planning.

  • CFA (Chartered Financial Analyst)

A CFA is a professional in investments and securities. If you are looking for an investment manager, working with a CFA is an excellent choice.

  • FRM (Financial Risk Manager)

FRM certificate holders are likely to be found working in banks as risk analysis. They can likewise deal with private customers requiring investment advice.

  • CMFC (Chartered Mutual Fund Counselor)

These certification holders are experts in mutual funds. The certification coursework particularly prepares designers to understand the complexities of the field of mutual funds and other packaged investment products.

Professional Requirements of Financial Analyst

Some of the professional requirements of the financial analyst job profile are as follows:

  • A candidate must be a Certified Financial Analyst (CFA) or of certified equivalence
  • Initiating something that is very significant is expected in a financial analyst
  • The ability to work independently is yet another very vital duty

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IT Skills Set

To become a financial analyst you must possess IT and computer knowledge for instance and during maintaining electronic financial records. Basic accounting tools and computer knowledge is a must in the accounting and finance industry.

As well as an understanding of using software packages to analyze financial data, see trends, create portfolios, and make forecasts. 

Non-IT Skills Set 

Having just a degree and certificates is not enough to become a successful financial analyst. It requires certain skills to get successful. 

  • Analytical Skills – Financial analysts must have ample information in searching for profitable investment. As their core work is doing analysis.
  • Communication Skills – Strong verbal and written communication skills help to explain their recommendations to clients in clear languages that clients can easily understand.
  • Decision-making skills – This profile individual must serve a recommendation to buy, hold, or sell a security.
  • Mathematical Skills – They utilize mathematical skills when estimating the value of financial securities that require quick and exact calculations.
  • Problem-solving Skills – When clients/ organization face any financial related issues, the financial analyst is responsible to solve those.
  • Interest in Business and Finance – A global interest in the business world and its finances will help financial analysts thrive in their roles.
  • Self-motivation – Self-motivation is essential while doing financial analysis. Sometimes situations become difficult and you might feel demotivated.
  • Interpersonal skills – This skill involves selflessness, teamwork, visionary ability, and intuition.
  • Honesty – Clients and employers must know that they can trust their financial analysts with access to company financial things. 
  • The financial analysis must need to have knowledge of finding profitable investments and knowledge about finance materials.
  • They also need to have the ability to solve financial problems in an effective manner.


Approx. one-third of financial analysts work more than 40 hours a week. Sometimes to research information and data many analysts must take their work home with them, so that can help them on subsequent business days. Much of their research is done after office time as their days are filled with calls and meetings.

They mainly work in offices but travel often to visit companies or clients.

 The challenges faced by the Financial Analyst

The very first challenge is faced by the financial analyst is being able to analyze and interpret financial statements, market trends, and microeconomic conditions in order to offer suggestions on potential business deals and decisions. 

Second challenge is when technical challenges are involved in accumulation and interpreting this complex data. 

It creates a big issue while taking their vacations since there is always some time-sensitive work that should be done.

Always need to update about various happening in the financial finance market.

Extensive traveling can be trouble at times as it is a crucial part of an analyst as their analysis requires gathering data and resources from various information centers.

 Financial Analyst Job Outlook

Employment-wise, the outlook is good for this profession. The need for financial analysts tends to rise with total economic activity. They will be required to evaluate investment opportunities when new businesses are found or existing businesses expand. Developing business sectors all through the world are giving new venture openings, which require aptitude in geographic districts where those business sectors are found.

 What package can you expect?

A salary of a financial analyst is determined on the basis of skills and knowledge the professional possesses. Therefore any fresher individual in this career can earn a salary in the range of Rs.15000 to Rs.40000 per month. After 4-5 or more years of work experience in the field, there is 4-5 times growth in the salary package.  With the right exposure and sound presentation skills get employment in multinational hedge fund companies and financial bodies involving investment banks.

Future Growth

Although functioning as a financial analyst presents a few difficulties, it’s likewise a career way loaded up with opportunities, especially with regards to having your pick of businesses. This is because financial experts have a vital influence in pretty much every territory of business so whether you’re enthusiastic about music or interested in technology, you’re probably going to discover an open door that is appropriate for you.

Let’s see what are the financial analyst future growth careers:

Portfolio manager – They are firstly responsible for developing and handling investment allocations for private clients. Determines a customer’s appropriate level of risk depends on the time horizon, risk desires, return prediction, and market situation.

A partner in an investment bank – Such a bank refers to a financial services company that works as an intermediary in big and complicated financial transactions.

A senior manager in a retail bank – This profile is to run a store successfully. The senior manager monitors the commodities in the shop as well as give instructions to staff and junior manager. Ensure their staff serve great customer service as well as examine the financial performance of the store.

Insurance company manager – They oversee the activities of all the employees who work for an insurance branch. Confirm all corporate policies are followed, involving the filing of client records.

Investment advisors – They are also known as a stockbroker. When an individual or group of individuals make investments, the advisor recommends or conducts securities analysis in return for a fee. This is done through direct management of the client’s assets or by way of written publications.

Financial consultant – To help clients, they look at the whole picture of a client’s financial life, involving debts, assets, expenses, and income, they determine what those goals should be. 

What if This Career does not work out for you?

It is not mandatory to work under a particular job profile even if you are not enjoying it. So in this job profile also you can go for other job profiles which might suit you a much better way.

Let’s see what are those job profiles:

Financial Manager – They are in charge of the financial condition of an organization. They create financial reports, direct investment activities, and generate plans for the long-term financial goals of their organization. The main goal of the financial manager is to maximize the value of the firm that will give long-term effects.

Insurance Underwriters – They are the professionals who gauge and analyze the risks included in insuring people and assets. Establish pricing for accepted insurable risks.

Personal Financial Advisors – This profile assesses the financial requirements of people and helps them with decisions on investments, tax laws, and insurance. They help clients plan for short and long-term goals, for example, saving for retirement through investments.Financial Service Sales Agents – They also called sales agents who sell financial services products. They offered services such as life insurance, investment advice, retirement plans, and banking services. Financial services sales agents may also provide the same services to companies and organizations.

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Gandhi Jayanti

Mahatma Gandhi – An Inspiration or Influence???

2nd October 2020 marks a special day for us Indians, as the nation commemorates the 151st birth anniversary of the historical figure, “Mahatma Gandhi.” When we think of this great soul only two words come across our mind:

  1. Truth
  2. Non-violence

But, though “Bapu” was a staunch believer in these two ideals and promoted them throughout his life, does his ideology still have relevant significance in today’s fast-paced and competitive world? How many of us follow his teachings?

We boast about how Gandhiji became a source of inspiration not only in our country but across the world; however, has it only remained an inspiration? Can we not continue to influence his teachings further especially when the people of the motherland and world face such wrongs and injustice in different ways each day?

Yes, it is true that the Father of Nation never tried to create influence through his life but the entire nation started trying to follow him, we must remember that his contribution went well beyond being a freedom fighter for India. He didn’t just belong only to India. Gandhiji inspired the lives of those who never ever met him. Did you know that Martin Luther King Junior and Nelson Mandela’s policies and ideologies were based on Mahatma Gandhi’s vision? It’s a fact.

As Mahatma Gandhi truly once said, Happiness is when what you think, what you say, and what you do are in harmony. And, what the people of the country today need is this happiness. To attain this every one, in particular the youth (tomorrow’s future) should essentially possess the spirit of Truth and Non-violence.

There is a noticeable rise in people’s frustration. They are quick to get angry, especially the hot-blooded youth. A lot of the time, people are angry about injustice, but even so, anger that leads to non-violence is most often harmful. So, learning to deal with issues calmly, rationally without resorting to violent means is something every young person must learn. It’s a responsible thing to exercise self-control and self-discipline.

If we really want to pay our homage in the best possible way, it is via leveraging these ideals. Also, several people as well as the youth have the misconception that these principles have been rendered worthless in today’s date. Although, it is not so!!! The Gandhian ideologies still remain vital.
Considering how Gandhiji was an inspiration? Do you now view him as the same or will even carry on with his influential teachings? It is for you to decide. Leaving on that note, I wish you all the peace and harmony from our end on this special occasion ofGandhi Jayanti!!!

teachers day

Teacher’s Day Celebration

Teacher’s Day Celebration: History

Teachers nourish and prepare students for their future. They help students to become the real icon of knowledge and wisdom. Teacher is the perfect source of creating awareness among the students and common people. They are the true pillars of our success. 

Globally, Teachers Day is celebrated on 5th October, but every country celebrates the day on different dates. In India, Teachers Day celebrated on 5th September from 1962 onwards. Why did India decide to celebrate independent Teachers Day? How is it celebrated across the nation? Let’s see what the actual reason behind it is!

History for Teachers Day 

In India, Teachers Day is celebrated every year on September 5. It is celebrated in the remembrance of high respected teacher Dr. Sarvepalli Radhakrishnan’s birthday (05/09/1888) who was the country’s former President, scholar, philosopher, and Bharat Ratna awardee. As an educationist, he was an advocate of edification and was a famous political academician, and above all a great teacher.  

As time passed the future of a country lies in the hands of its children, and teachers, as mentors, can mold students into future leaders who shape the destiny of India. They play an essential role in our lives to become successful in a career. They help us to become a good human being, a better member of society, and an ideal citizen of the nation. So overall Teacher’s Day is celebrated to acknowledge the challenges, hardships, and the special role that teachers play in our lives. 

Importance of Teachers Day

It is a day when students and teachers equally look forward to it. Teachers’ day is important for the students as it gives them an opportunity to understand the efforts put in by their teachers. Where teachers also look forward to the Teachers’ Day celebration as their efforts get recognized and honored by students. 

Teachers help us to gain knowledge, improve our skills, grow confidence as well as help us to choose the right path to success. They play a crucial role in the lives of students and in nation-building, they rarely are shown the acknowledgments that they deserve. Teachers’ Day gives us an ideal opportunity to thank our teachers!

Teachers Day Celebration

On this day, students hold different activities to entertain teachers at schools, colleges, and classes. These activities include singing competition, dance competition, recitation of poems, and mimicry of teachers. Children also play lots of games with teachers, offer gifts and at last, they thank teachers by expressing their gratitude. 

Some try to meet their teachers on the day and convey their wishes and if teachers are far then send them a message to wish them and show gratitude. 

Not just on the teacher’s day, try to appreciate them always!


How to Successfully Build Your Personal Brand?

Nowadays building a personal brand is more important. There is never been a better time to be a successful entrepreneur. Thanks to the internet and technology, as anyone with access to the internet and social media, can build an audience position themselves as an expert, and start attracting clients for their business. This exactly what a lot of people are doing that helps to build a personal brand.

As a freelancer or entrepreneur, you have competitors but as a personal brand, however, you don’t. When an individual builds a personal brand, there is no real competition. It is obvious, there might be other people and companies serving similar products or services as you, but they are not you. In fact, there is no other individual in the world that is exactly like you. 

This is why building a personal brand is so powerful and needful. When you build a personal brand, you immediately differentiate yourself from your competitors, as an individual, you are 100% unique. 

Why every entrepreneur should build a personal brand?

Benefits of Building a Personal Brand

Trust and Power

Having a personal brand assists with building trust with your audience/ client, and position you as an authority and an ideal leader in your industry.

Assemble your Network

At the point when you have a personal brand that clearly articulates what your identity is, it makes it easier for other people and entrepreneurs to see value in connecting with you. You can utilize your personal brand to build your network, both online and offline as well as quickly and successfully. 

Get Spotlight in Media

Having a personal brand makes it easier for you to pitch and be found by media as it is in constant search of specialists that can share their insights/ experiences with their audience.

Win more Clients

Building personal brand positions as an expert in a particular industry or niche that helps you to attract more of your ideal customers. 

Make a Lasting Platform

After some time, your business will develop and may even start multiple businesses in different industries through the span of your career. 

Tips for Developing Your Personal Brand

1. Figure out Who You Are?

To build a personal brand that accurately reflects your personal and professional identity figure out answers of the following questions:

In which areas of work do you excel?

What motivates you?

What projects have others had to help you with repeatedly?

Which roles seem to drain your energy?

2. Need to Determine What You Want to be known for?

Your personal brand is a roadmap of where you go, it is more than a reflection of who you are today. Understanding your existing skills and competencies, and your strengths and weaknesses as they relate to whichever industry or career you want to break into next.

Determining what you want to be known for can help you better determine what steps you need to take ahead. 

3. Define Your Audience

Before you start crafting your personal brand, it is important to determine who you are trying to reach. Defining the audience makes it easier to craft your story because you’ll better understand the type of story you need to tell. 

4. Research your Desired Industry and follow the experts in it

Find out the leaders are in whatever field you are interested in, and don’t just follow them, try to implement their way of working. Look for experts who are successful and examine what they are doing. 

5. Grow Your Online Presence

One of the most important aspects of personal branding is making sure your online presence is engaging and attractive. Online presence is the perfect way to build your personal brand. 

If you want to build your Online Presence then look no further than Profile Card- Brand your Identity Digitally. ProfileCard is a unified platform to build your personal brand hassle-free without any technical knowledge to create your digital presence effortlessly.

New Ways to stand out with Spotlight Features of using a ProfileCard that it is a ready-made web design template, variety of templets to choose, serves Add-ons consist predefined social media integration, and mainly it provides SEO Optimized profiles that help to rank high on search engines. 

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To build your Personal branding, create your Online Presence today!!