The responsibility these managers have is to improve company profits by using their own resources by providing funds to another which then must be paid back. The term optimization is used to explain the procedure whereby finance is maximized by reducing costs and increasing the return. Poor finance is the cause of depressed markets caused when managers have not followed the optimization rule which leads to lower production and lower sales globally. The finance manager's job is to maximize profits whilst keeping the risk to a minimum so you can understand why there is a high level of stress associated with this work.

Finance managers can be very short sighted, only looking at the initial cost involved and not the future return capability of the project. Finance managers are in direct opposition to sales managers who know that you have to look forward and plan for the future; if you're preoccupied with what went on in the past you will fail to realize that it is future business that brings in the profits. When arranging a business loan, many applicants forget that they are not to be used for personal matters; something that is ignored regularly. Generally lenders who are investing in a business situation like to know exactly what their money is being used for.

This may cause some concern amongst small business owners but they should train themselves to be more focused on their business which should in turn create a better frame of mind for the future. However, small businesses can finance their needs from other sources like friends or from banks and private lenders. However, finance managers are in the position of making money for their company so out sourcing their lending can help increase their profits. It is a well know fact that by the very virtue of the fact you require money, banks see you as a risk.