ASAP- Which career path to take?

I have recently been made some offers from the big 4 and also an offer from a bank.

My initial plan was to join audit and once becoming qualified, I will switch to do advisory.

Now the offer from a bank has opened another option: it is a front office position in retail banking with a year training contract which involves two rotations within a department. Opportunity to jump to other department (investment) only becomes available after 3 years. And they do not offer training for CFA etc.

My aim in long term is to get involved in advisory/corporate finance.

Which path should I pursue to get to the top? Am i right to say that audit route seems more secured with the qualification, and banking route is very slippery and to get to the top is totally performance driven therefore can be very tough? Is it true that top jobs in banks are often taken by those switching from big 4 and not often taken by the hard work who have climbed from the bottom of the ladder?

Thanks.

9 Comments
 

And if I am to stick with the audit route, what should I be looking out for when deciding which of the big 4 to join?

Thank you so much!

 

Oh shit FO or bust, son. Wait what's retail banking again?

Under my tutelage, you will grow from boys to men. From men into gladiators. And from gladiators into SWANSONS.
 
Best Response
cHarl0tt3Is it true that top jobs in banks are often taken by those switching from big 4 and not often taken by the hard work who have climbed from the bottom of the ladder?

Thanks.

If by top jobs you mean top jobs in Finance/Reporting, then yeah. They're usually taken by people who have left big 4. Front Office jobs are hardly ever filled with people from big 4 though. Also what do you mean retail front office? The front office in retail is working in a branch, and I can't think of anything worse. The best jobs in the retail division are the corporate jobs that aren't front office. The one's in strategy (sales, service, distribution etc.), or product pricing.

Joining the retail division of a bank at the bottom totally sucks though. It can take forever to advance, but you do have ultimately way more options. On the other hand, big 4 will accelerate your career and if you exit to a bank later on, you will have attained a much more senior role in a shorter time. With that said, you will be pigeonholing yourself into finance/reporting type roles. That said, Finance is a huge division that can ultimately lead to CFO (usually an EVP level position in a bank, which is two levels away from CEO) so it's not like it's a dead end or anything. You just have to really like accounting, because I think I would die if I had to do Finance type work for the rest of my life.

-MBP
 

Also, while there are differences between the Big 4, there are none when it comes to prestige or lifestyle or pay. They are all basically the same. The only difference you should be looking at is the client base. I think EY has a dominance in auditing the tech sector, but PwC is dominant in the financial services sector. If you want to end up in banking, pick the firm that will give you the best chance of getting on as many bank engagements as possible.

-MBP
 
cHarl0tt3 My aim in long term is to get involved in advisory/corporate finance.

Thanks.

Also, you need to pick one. Advisory and corporate finance are worlds apart. In a bank, corporate finance means either Treasury or Finance. Treasury is way better, but much tougher to get into (you have a better chance getting here if you're a star performing on the retail side, assuming it's not working in a branch). Other than IBD, I don't even know what advisory would be in a bank - maybe financial advisory to retail clients? Do you mean advisory in big 4? If that's the case, you have no choice but to take the big 4 offer.
-MBP
 

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-MBP

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