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A Day in the Life of a Financial Analyst

Financial analysts gather information, assemble spreadsheets, write reports, and review all non-legal pertinent information about prospective deals. They examine the feasibility of a deal and prepare a plan of action based on financial analysis. Being an analyst requires a vigilant awareness of financial trends. Analysts have a heavy reading load, keeping abreast of news stories, market movements, and industry profiles in financial newspapers, magazines, and books. Most analyst jobs are in banking houses or for financial-advising firms, which means following corporate culture and wearing corporate dress. If a deal demands it, they must be prepared to travel anywhere for indeterminate lengths of time. Those who wish to rise in the industry should note the necessity of significant 鈥渇ace time,鈥� attending social events and conferences and spending downtime with people in the profession, which can be expensive; this social circle tends to gravitate to high-priced attire and costly hobbies, habits, and diversions. Analysts sacrifice a lot of control over their personal lives during their first few years, but few other entry-level positions provide the possibility of such a large payoff come year鈥檚 end.

Many employers use bonuses, which can be equal to or double the beginning analyst鈥檚 salary, to attract and hold intelligent personnel. Successful financial analysts become senior financial analysts or associates after three to four years of hard work at some firm. Those with strong client contacts and immaculate reputations start their own financial consulting firms. Many work as analysts for about three years and then return to school or move on to other positions in banking. Financial analysts work long hours, and deadlines are strict. 鈥淲hen you have to get the job done, you get the job done. Period,鈥� emphasized one. The occasional fifteen-hour day and night spent sleeping in the office is mitigated by the high degree of responsibility these analysts are given. The long hours breed a close kinship. Over 65 percent called their co-analysts extremely supportive, and many labeled them a 鈥渕ajor reason鈥� they were able to put up with the demanding work schedule. Most people become financial analysts because they feel it is the best way to immerse themselves in the world of finance and a great way to earn a lot of money. They鈥檙e right on both counts, but be aware that the immersion is complete and somewhat exclusive, and although people earn a lot of money, few have the free time to spend it all how they鈥檇 like to.

Paying Your Dues

Entry-level positions are highly competitive. A bachelor鈥檚 degree in any discipline is acceptable, so long as the potential analyst鈥檚 course of study demonstrates an ability to understand and work with numbers. Those with computer science, physical science, or biological science backgrounds may find the field more welcoming than do liberal arts majors. Business majors don鈥檛 necessarily have an advantage; each company trains the incoming class of financial analysts before they begin the job. To become a financial analyst you need to have a strong sense of purpose-it is not a job for those who are uncertain that their future lies in the financial world. Candidates must be able to meet and interact with clients, handle a heavy work load, prioritize and complete work under strict deadlines, work as part of a team, and work with computer spreadsheet and valuation programs. Many find the travel stimulating initially, but 鈥渁fter your third week in Jopbsug, Tennessee, at the ball-bearing plant, it gets old.鈥�

Present and Future Outlook for Financial Analyst Careers

The obligations of today鈥檚 financial analyst were covered by more experienced individuals as late as the 1970s, but with rapid deregulation of ownership in industries in the early 1980s and the rapid growth of the financial sector during those same years, the need arose for a structured and continuing stream of intensively trained professionals familiar with the financial industry. Larger firms, which consolidated their programs in the early 1990s, are cautiously beginning to expand them again, finding opportunities in such new and developing industries as software development, biotechnology, and aerospace technologies.

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Quality of Life

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