CFA作为一门国际性金融资格证书，很多人都知道并非只是通过考试就可以取得认证的，后期还涉及到一个工作经验问题。对于这些CFA经验你都了解么？目前通过CFA考试的难度相比过去几年相对降下很多，通过三级考试是成为注册金融分析师的第一步，但是考生想要成为CFA持证人必须符合协会规定的4年相关工作经验，不过很多大陆CFA考生并不清楚如何界定这工作经验。

一、考前要求的工作经验

什么？CFA报名考试不是不用工作经验吗？

其实只要有学士学位的人报考CFA不用工作经验，或者在校本科生在毕业前18个月也可以报考CFA，不用工作经验。

如果申请人不具有学士学位则需要一定的工作经验作为专业水准来考核，一般来说，4年的工作I经验可以视为替代学士学位。这4年的工作经历不一定是从事金融行业的相关工作，只要是合法、全职的工作经历都可以被接受。

二、考二级或者三级需要更多的工作经验吗？

不需要，在成功注册后可以报考CFA三个级别的考试，期间对工作经验没有任何更高的要求。

三、申请证书需要工作经验，什么样的工作经验才符合要求呢？

CFA协会认可的工作经验包括：直接参与投资决策过程或者为投资决策过程提供支持等相关工作。职位本身的名称不能直接决定是否被CFA协会认可，主要是日常工作中涉及到的职务内容必须50%以上和投资决策相关的才是被认可。其它职务如果工作中涉及的职务内容和投资决策相关，亦可提供详细的工作经验给CFA协会，也是被认可的。

包括：在投资决策过程（如金融分析、投资管理、和证券分析等等）中收集、评估及应用金融、经济和统计数据；直接或间接主管他人进行上述活动；从事上述投资决策活动的教学培训工作等等。“投资管理与研究协会”要求CFA认证的申请者必须花超过40%的时间用于以上工作，其中假期、兼职和实习期间的工作经验不予承认。工作经验的积累可以在参加CFA考试之前，其间或以后，但只有达到四年的相关工作经验积累后，才能获得CFA认证。

总体来说CFA协会对于此类工作经验还是相当严格的，毕竟CFA是金融行业内含金量极高的资格证书，想要成为注册金融分析师并把CFA写于名字之后并非易事。

另外职位本身的名称不能直接决定是否被CFA协会认可，主要是日常工作中涉及到的职务内容必须50%以上和投资决策相关的才是被认可。如果所从事的工作在以下举例的职位以外，但工作中涉及的职务内容和投资决策相关，亦可提供详细的工作经验给CFA协会，也是被认可的。

工作职位列表：

Accountant

Actuary

Auditor

Compliance analyst/officer

Consultant

Corporate chief financial officer

Corporate finance analyst

Client service representative or relationship

manager

Derivatives analyst

Economist

Financial adviser

Financial journalist/editor

Institutional sales professional/business

development (buy and sell side)

Investment banking analyst

Investment consultant

Investment strategist

Investor relations

Mutual fund sales

Portfolio administrator

Portfolio manager

Private client investment adviser

Product/software developer

Professor/instructor

Quantitative investment or risk analyst

Real estate investment manager

Regulator

Securities trader

Securities underwriter

Security/investment analyst

Supervisor of investment firm

Valuator of closely held business

Venture capital analyst

工作经验描述

You must spend at least 50% of your time in the investment decision-making process in order for your work experience to qualify. Keep in mind that there are no "good" or "bad" job titles. Just tell us how your experience relates to the investment decision-making process and be as descriptive as possible.

Job Title

Work Experience Description

Descriptive Enough?

Portfolio Manager

Rebalance high-net-worth clients" portfolios by trading short-term assets and pooled funds. Analyze and evaluate client performance reports.

Yes

Rebalance portfolios; perform reporting.

No (too brief)

Securities Underwriter

Prepare financial models based on reviewed information; participate in the valuation and decision-making process; analyze fundamental and value acquisition targets for clients.

Yes

My company provides risk analysis and financial planning for customers.

No (does not describe job duties

Auditor

I perform financial statement audits of investment companies and in the process test the custody and pricing of the portfolios. Used Bloomberg and learned the accounting of several security types, including equities, bonds, options, and futures.

Yes

Review the internal control processes to ensure compliance with the requirements of the Sarbanes-Oxley Act and recommend process improvements. Perform non-SOX-related financial and operational audits on businesses to identify control and process weaknesses and recommend process improvements.

No (does not add value to the investment decision-making process)

Quantitative Investment Analyst

As a financial engineer in an asset management company, I am responsible for evaluating product development and using quantitative methods and tools to recommend asset

allocations, construct portfolios, and perform derivative analysis.

Yes

My work is related to product design and quantitative analysis.

No (too brief)

Consultant

I am a management consultant to the financial services industry, working with risk management functions, assisting clients in developing and refining statistically based credit risk models covering a diverse range of portfolios.

Yes

Management consulting for the financial services industry.

No (too brief)

Actuary

I perform projections, cash flow analysis, and durational analysis of individual health insurance policies. These activities have a direct bearing on the investments chosen to back the reserves for these blocks of business.

Yes

Support annual actuarial valuation process. Benefit calculations.

No (does not add value)

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