Choice Business Solutions

POSITION TITLE : FLOOR SUPERVISOR

DEPARTMENT : BRANCH OPERATIONS

LOCATION : BRANCH

CORE FUNCTION

Assist with the management of   line staff

EDUCATIONAL REQUIREMENTS AND EXPERIENCE

1. Certificate in Supervisory Management or equivalent

2. A minimum of one (1) year experience at the supervisory level

REQUIRED SKILLS

1. Excellent  Human Relations and Customer Relations skills

2. Excellent motivational and interpersonal skills

3. Ability to communicate effectively both oral and written

4. Knowledge of the company’s guidelines and operational procedures

5. Good problem solving skills

6. Must display initiative and ability to work independently.

MAIN DUTIES & RESPONSIBILITIES:

SALES:

• DOCUMENTS AND DRIVES PERSONAL SALES, MARKETING, AND PUBLIC RELATIONS ACTIVITIES,  TO MEET AGREED TARGETS FOR REVENUE AND MARKET SHARE THROUGH BUT NOT LIMITED TO:

1. SUPPORTING UNIT’S ACTIVITIES, AS REQUIRED.

2. REPRESENTING THE UNIT/COMPANY IN/AT COMMUNITY PROJECTS IN WHICH IT IS INVITED TO PARTICIPATE, AS ASSIGNED (E.G., GIVING BRIEF SPEECHES, MAKING PRESENTATIONS, ONE-OFF LECTURES).

• DRAFTS A PLAN FOR CLIENTELE DEVELOPMENT AND RELATIONSHIP, THAT IS IN ALIGNMENT WITH COMPANY’S MARKETING AND SALES STRATEGY, AND SUBMITS TO THE CORPORATE MANAGER FOR REVIEW AND APPROVAL.

• CREATES A NETWORK AND SOLICITS NEW BUSINESS FROM INDIVIDUALS, GROUPS AND COMPANIES, WITHIN THE COMMUNITIES SERVED BY THE BRANCH OR AGREED TERRITORY.

• LIAISES WITH THE RELEVANT COMPANY DEPARTMENTS/UNITS TO DEVELOP EFFECTIVE DELIVERY OF APPEALING PROMOTIONS.

• MAKES PRESENTATIONS TO CONTRACT CLIENTS FOR THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

PORTFOLIO MANAGEMENT:

• MANAGES THE COMPANY PORTION OF THE INVESTMENT PORTFOLIO OF INDIVIDUALS IN THE COMPANY’S PRIMARY CLIENT TARGET SEGMENT OF DESIGNATED HIGH NET WORTH (HNW) CLIENTS, IN ORDER TO MAXIMISE THEIR WEALTH, GUIDED BY AN INTIMATE KNOWLEDGE OF COMPANY GROUP OF COMPANIES PRODUCTS AND SERVICES,  KEEN MARKET ALERTNESS AND OTHER FINANCIAL PLANNING AND ADVISORY BEST PRACTICES, AS WELL AS THE LAW.

• PROVIDES FINANCIAL ADVICE TO BOTH ASSIGNED AND AD HOC POTENTIAL CLIENTS THAT EXCITES, EMPOWERS AND GUIDES HIM/HER/THEM IN PLANNING THEIR FINANCIAL PORTFOLIOS TO ACHIEVE THEIR FINANCIAL GOALS, THROUGH BUT NOT LIMITED TO THE FOLLOWING ACTIVITIES:

1. INTERVIEWS THE CLIENT TO ENSURE THERE IS A CLEAR PICTURE OF THE CLIENT’S FINANCIAL SAVVY, STATUS AND GOALS (E.G. CURRENT FINANCIAL POSITION, EXISTING OBLIGATIONS, UNDERSTANDING OF FINANCIAL CONCEPTS, LEVEL OF RISK TOLERANCE, UNDERSTAND THE RISK INVOLVED IN MAKING INVESTMENTS THREATS/OPPORTUNITIES).

2. EXPLORES INVESTMENT OPTIONS TO HELP GUIDE THE CLIENT MAKE APPROPRIATE CHOICES (E.G. THE OPTIMUM INVESTMENT ALLOCATION, DURATION, FLEXIBILITY IN INSTRUMENTS)  WITH AN EMPHASIS ON THE USE OF THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

3. DISTINGUISHES AND EXPLAINS THE DIFFERENCES BETWEEN THE PRODUCTS/SERVICES OF COMPANY GROUP OF COMPANIES WITH THAT OF PERCEIVED COMPETITORS.

4. DISCLOSES REQUIRED COMPANY INFORMATION TO CLIENT (E.G. INTEREST IN OTHER FINANCIAL INSTITUTIONS) AND HAS CLIENT DO THE SAME IN ORDER TO FACILITATE THE BUSINESS RELATIONSHIP.

5. NEGOTIATES INTEREST RATES WITH CLIENTS BASED ON APPROVED PRE-DETERMINED BANDS.

• DOCUMENTS THE CLIENT’S INVESTMENT POLICY STATEMENT (IPS) AND TAKES STEPS TO COMMENCE AND FACILITATE THE REQUIRED PROGRAMME OF ACTION.

• KEEPS ABREAST OF  AND ANALYSES INTERNAL AND EXTERNAL, LOCAL AND INTERNATIONAL FACTORS LIKELY TO POSE “THREATS” OR “OPPORTUNITIES FOR THE CLIENTS, AND ACTIVELY MANAGES THE CLIENTS PORTFOLIO THROUGH THE FOLLOWING:

1. MONITORS THE ECONOMIC CLIMATE IN ORDER TO BE ABLE TO RECOMMEND TACTICAL RESPONSES TO CLIENTS.

2. NOTES HOW INTERNAL FACTORS WITHIN THE COMPANY GROUP OF COMPANIES MAY POTENTIALLY AFFECT THE CLIENTS’ PORTFOLIOS.

3. KEEPS ABREAST OF THE PERFORMANCE OF COMPANY'S PRODUCTS IN THE MARKETPLACE.

4. ESTABLISHES A WORKING RELATIONSHIP WITH OTHER PROVIDERS IN THE FINANCIAL SECTOR, IN ORDER TO KEEP ABREAST OF CHANGES AND TO BE ABLE TO EXPEDITE RESOLUTION OF CLIENTS’ ISSUES.

5. STAYS UP-TO-DATE ON THE RANGE AND FEATURES OF FINANCIAL OFFERINGS BEING MADE TO THE INVESTING PUBLIC.

6. INTERPRETS MARKET EVENTS AND THEIR IMPACT ON THE CLIENT’S INVESTMENT.

7. RECEIVES TRADING AND OTHER BUSINESS INSTRUCTIONS FROM THE HEAD OFFICE AND INCORPORATES IN CLIENTS’ PORTFOLIO STRATEGIES.

8. REVIEWS THE CLIENT’S PORTFOLIO AS REQUIRED BY MARKET CONDITIONS, ON THE CLIENT’S REQUEST, OR WITHIN THE AGREED TIMEFRAME SPECIFIED IN THE CLIENT’S IPS.

9. RECOMMENDS ACTION TO BE TAKEN BY THE CLIENT (E.G. HOLD/SELL/BUY, ADD NEW INSTRUMENT, CHANGE TIMEFRAME, REDEFINE GOAL), DISCUSSES THE OPTIONS AND/OR COACHES AS REQUIRED, AND MAKES AGREED ADJUSTMENTS.

• IN THE ABSENCE OF THE CLIENT OR HIS/HER REPRESENTATIVE, ACTS INDEPENDENTLY TO PROTECT THE CLIENT’S PORTFOLIO, AND ADVISES THE CLIENT ACCORDINGLY, GUIDED BY FINANCIAL PLANNING AND ADVISORY BEST PRACTICE, COMPANY POLICIES AND THE LAW.

• MEETS WITH THE HNW CLIENTS ON THEIR REQUEST AND/OR BY APPOINTMENT TO PROVIDE BOTH RESPONSIVE AND PROACTIVE SERVICE (E.G. TO UPDATE THEM ON NEW PRODUCTS/SERVICES, NEW RATES AND FINANCIAL MARKET DEVELOPMENTS THAT MAY BE OF INTEREST TO THE CLIENT).

• REFERS THE CLIENT TO EXTERNAL EXPERTISE, PREFERABLY AMONG COMPANY’S BUSINESS PARTNERS, AS IS NECESSARY AND FOLLOWS-UP ON REFERRAL TO ENSURE CLIENT’S NEED WAS MET, OR TAKES APPROPRIATE ACTION TO RE-DIRECT CLIENT.

• LIAISES WITH INTERNAL DEPARTMENTS AND EXTERNAL FINANCIAL AGENCIES TO HELP TO CLARIFY AND/OR RESOLVE ISSUES LIKELY TO IMPACT THE CLIENT’S FINANCIAL PLAN, AS IS WARRANTED.

• MONITORS THE HAPPENINGS IN OTHER COMPANIES WHERE THE CLIENT HAS FINANCIAL INTEREST FOR ISSUES OR EVENTS LIKELY TO IMPACT THE CFP AND CONTACTS THE CLIENT AS IS APPROPRIATE.

• REVIEWS AND IDENTIFIES BASIC GAPS IN CLIENT'S ENTIRE PORTFOLIO AND MAKE RECOMMENDATIONS TO THE CLIENT ACCORDINGLY, OR ON THE CLIENT’S REQUEST.

• REPORTS ON THE PORTFOLIO PERFORMANCE OF CLIENT’S TO THE MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES ON A MONTHLY BASIS, IDENTIFYING ANY OPPORTUNITIES AND SEEKING GUIDANCE TO IMPROVE PERFORMANCE

• CONDUCTS PORTFOLIO RE-BALANCING, AT A MINIMUM ANNUALLY BUT AS OFTEN AS REQUIRED

CLIENT MANAGEMENT:

• SERVE AS ONE OF THE PERSONS TO PROSPECT FOR NEW BUSINESS AMONG POTENTIAL HNW CLIENTS, TO HELP MEET THE COMPANY GROUP OF COMPANIES’ OBJECTIVES FOR REVENUE AND MARKET-SHARE, WHILE OBSERVING THE LIMITS FOR RISK EXPOSURE AND BUSINESS INTEGRITY.

• WITH THE ASSISTANCE OF THE UNIT’S ADMINISTRATIVE SUPPORT, GENERATES REPORTS ON THE CLIENT’S ACCOUNT FOR THE CLIENT AND/OR MANAGEMENT, AS REQUIRED, AND HEARS, HELPS TO DEFINE AND TO ADDRESS CLIENT CONCERNS, ESCALATING THE SITUATION ONLY AS IS REQUIRED. O IDENTIFIES “SPECIAL CASES” (E.G.  DUE TO AGE, HEALTH STATUS, FINANCIAL STATUS, DISTANCE FROM BRANCH), INITIATING ACTION TO ELIMINATE OR MITIGATE ANY OBSTACLES FACED BY THEM, INCLUDING REFERRING THEM  TO THE CORPORATE MANAGER OR CLIENT CARE SPECIALIST AS IS APPROPRIATE.

• ACTS AS ONE OF THE MEDIA FOR DISSEMINATING AUTHORISED INFORMATION TO CLIENTS.

GENERAL:

• ATTENDS MEETINGS WITH MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES AND GROUP PRODUCT PORTFOLIO MANAGER MONTHLY, OR AS REQUIRED

• ATTENDS TRAINING SESSIONS TO EQUIP WITH REQUISITE KNOWLEDGE TO EXECUTE RESPONSIBILITIES

• WITH THE SUPPORT OF THE UNIT’S ADMINISTRATIVE SUPPORT, PROCESSES CLIENTS' REQUEST (SIMPLE/COMPLEX) IN ACCORDANCE TO COMPANY STANDARDS

• MANAGES THE COF OF ASSIGNED CLIENT PORTFOLIO  

• PERFORMS ANY OTHER DUTIES ASSIGNED O PROMOTES THE COMPANY’S PHILOSOPHY OF THE VISION OF LOVE AND ITS UNIQUE CULTURE.

• IS ENGAGED IN THE TRANSFORMATION PROCESS FOR THE CONTINUOUS IMPROVEMENT OF THE COMPANY AND ITS ASSOCIATED COMPANIES.

EDUCATION, TRAINING & WORK EXPERIENCE REQUIRED:

• FIRST DEGREE IN MANAGEMENT, FINANCE, ECONOMICS OR MARKETING. GOOD QUANTITATIVE AND ANALYTICAL SKILLS.

• CERTIFIED FINANCIAL PLANNER (CFP) OR IN PURSUIT OF THE CERTIFICATION, OR ITS EQUIVALENT.

• LICENSED BY THE FINANCIAL SERVICES COMMISSION, OR A SUITABLE CANDIDATE FOR LICENSING.

• IN-DEPTH KNOWLEDGE OF FINANCIAL SECTOR INSTRUMENTS, LAWS, REGULATIONS, ETHICS AND PROFESSIONAL JARGON.

COMPANY’S FINANCIAL PLANNING SERVICES (FPS) LEVEL II CERTIFICATE AND CERTIFICATION IN PORTFOLIO PLANNING. INTIMATE KNOWLEDGE OF THE LOCAL FINANCIAL MARKET OPERATIONS, WHILE EXPOSURE TO INTERNATIONAL MONEY MARKETS WOULD BE A DISTINCT ASSET.

• EXCELLENT ORAL AND WRITTEN COMMUNICATION SKILLS. SKILLED IN THE USE AND INTERPRETATION OF NON-VERBAL COMMUNICATION. KNOWLEDGE OF A MAJOR FOREIGN LANGUAGE WOULD BE AN ASSET.

• HIGH LEVEL OF PROFICIENCY IN THE USE OF COMPUTERS, INCLUDING DATABASES, SCHEDULING SOFTWARE, WORDPROCESSING, SPREADSHEETS AND PRESENTATION PROGRAMMES.  

• MINIMUM OF FIVE YEARS’ WORK EXPERIENCE IN A SIMILAR CAPACITY (IN THE DIRECT PROVISION OF FINANCIAL ADVISORY AND/OR INVESTMENT SERVICES). A TRACK RECORD OF SUCCESSFUL FINANCIAL MANAGEMENT IS CRITICAL.

• PROVEN TRACK RECORD OF SALES PERFORMANCE AND CLIENT PORTFOLIO PERFORMANCE

MAIN DUTIES & RESPONSIBILITIES:

SALES:

• DOCUMENTS AND DRIVES PERSONAL SALES, MARKETING, AND PUBLIC RELATIONS ACTIVITIES,  TO MEET AGREED TARGETS FOR REVENUE AND MARKET SHARE THROUGH BUT NOT LIMITED TO:

1. SUPPORTING UNIT’S ACTIVITIES, AS REQUIRED.

2. REPRESENTING THE UNIT/COMPANY IN/AT COMMUNITY PROJECTS IN WHICH IT IS INVITED TO PARTICIPATE, AS ASSIGNED (E.G., GIVING BRIEF SPEECHES, MAKING PRESENTATIONS, ONE-OFF LECTURES).

• DRAFTS A PLAN FOR CLIENTELE DEVELOPMENT AND RELATIONSHIP, THAT IS IN ALIGNMENT WITH COMPANY’S MARKETING AND SALES STRATEGY, AND SUBMITS TO THE CORPORATE MANAGER FOR REVIEW AND APPROVAL.

• CREATES A NETWORK AND SOLICITS NEW BUSINESS FROM INDIVIDUALS, GROUPS AND COMPANIES, WITHIN THE COMMUNITIES SERVED BY THE BRANCH OR AGREED TERRITORY.

• LIAISES WITH THE RELEVANT COMPANY DEPARTMENTS/UNITS TO DEVELOP EFFECTIVE DELIVERY OF APPEALING PROMOTIONS.

• MAKES PRESENTATIONS TO CONTRACT CLIENTS FOR THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

PORTFOLIO MANAGEMENT:

• MANAGES THE COMPANY PORTION OF THE INVESTMENT PORTFOLIO OF INDIVIDUALS IN THE COMPANY’S PRIMARY CLIENT TARGET SEGMENT OF DESIGNATED HIGH NET WORTH (HNW) CLIENTS, IN ORDER TO MAXIMISE THEIR WEALTH, GUIDED BY AN INTIMATE KNOWLEDGE OF COMPANY GROUP OF COMPANIES PRODUCTS AND SERVICES,  KEEN MARKET ALERTNESS AND OTHER FINANCIAL PLANNING AND ADVISORY BEST PRACTICES, AS WELL AS THE LAW.

• PROVIDES FINANCIAL ADVICE TO BOTH ASSIGNED AND AD HOC POTENTIAL CLIENTS THAT EXCITES, EMPOWERS AND GUIDES HIM/HER/THEM IN PLANNING THEIR FINANCIAL PORTFOLIOS TO ACHIEVE THEIR FINANCIAL GOALS, THROUGH BUT NOT LIMITED TO THE FOLLOWING ACTIVITIES:

1. INTERVIEWS THE CLIENT TO ENSURE THERE IS A CLEAR PICTURE OF THE CLIENT’S FINANCIAL SAVVY, STATUS AND GOALS (E.G. CURRENT FINANCIAL POSITION, EXISTING OBLIGATIONS, UNDERSTANDING OF FINANCIAL CONCEPTS, LEVEL OF RISK TOLERANCE, UNDERSTAND THE RISK INVOLVED IN MAKING INVESTMENTS THREATS/OPPORTUNITIES).

2. EXPLORES INVESTMENT OPTIONS TO HELP GUIDE THE CLIENT MAKE APPROPRIATE CHOICES (E.G. THE OPTIMUM INVESTMENT ALLOCATION, DURATION, FLEXIBILITY IN INSTRUMENTS)  WITH AN EMPHASIS ON THE USE OF THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

3. DISTINGUISHES AND EXPLAINS THE DIFFERENCES BETWEEN THE PRODUCTS/SERVICES OF COMPANY GROUP OF COMPANIES WITH THAT OF PERCEIVED COMPETITORS.

4. DISCLOSES REQUIRED COMPANY INFORMATION TO CLIENT (E.G. INTEREST IN OTHER FINANCIAL INSTITUTIONS) AND HAS CLIENT DO THE SAME IN ORDER TO FACILITATE THE BUSINESS RELATIONSHIP.

5. NEGOTIATES INTEREST RATES WITH CLIENTS BASED ON APPROVED PRE-DETERMINED BANDS.

• DOCUMENTS THE CLIENT’S INVESTMENT POLICY STATEMENT (IPS) AND TAKES STEPS TO COMMENCE AND FACILITATE THE REQUIRED PROGRAMME OF ACTION.

• KEEPS ABREAST OF  AND ANALYSES INTERNAL AND EXTERNAL, LOCAL AND INTERNATIONAL FACTORS LIKELY TO POSE “THREATS” OR “OPPORTUNITIES FOR THE CLIENTS, AND ACTIVELY MANAGES THE CLIENTS PORTFOLIO THROUGH THE FOLLOWING:

1. MONITORS THE ECONOMIC CLIMATE IN ORDER TO BE ABLE TO RECOMMEND TACTICAL RESPONSES TO CLIENTS.

2. NOTES HOW INTERNAL FACTORS WITHIN THE COMPANY GROUP OF COMPANIES MAY POTENTIALLY AFFECT THE CLIENTS’ PORTFOLIOS.

3. KEEPS ABREAST OF THE PERFORMANCE OF COMPANY'S PRODUCTS IN THE MARKETPLACE.

4. ESTABLISHES A WORKING RELATIONSHIP WITH OTHER PROVIDERS IN THE FINANCIAL SECTOR, IN ORDER TO KEEP ABREAST OF CHANGES AND TO BE ABLE TO EXPEDITE RESOLUTION OF CLIENTS’ ISSUES.

5. STAYS UP-TO-DATE ON THE RANGE AND FEATURES OF FINANCIAL OFFERINGS BEING MADE TO THE INVESTING PUBLIC.

6. INTERPRETS MARKET EVENTS AND THEIR IMPACT ON THE CLIENT’S INVESTMENT.

7. RECEIVES TRADING AND OTHER BUSINESS INSTRUCTIONS FROM THE HEAD OFFICE AND INCORPORATES IN CLIENTS’ PORTFOLIO STRATEGIES.

8. REVIEWS THE CLIENT’S PORTFOLIO AS REQUIRED BY MARKET CONDITIONS, ON THE CLIENT’S REQUEST, OR WITHIN THE AGREED TIMEFRAME SPECIFIED IN THE CLIENT’S IPS.

9. RECOMMENDS ACTION TO BE TAKEN BY THE CLIENT (E.G. HOLD/SELL/BUY, ADD NEW INSTRUMENT, CHANGE TIMEFRAME, REDEFINE GOAL), DISCUSSES THE OPTIONS AND/OR COACHES AS REQUIRED, AND MAKES AGREED ADJUSTMENTS.

• IN THE ABSENCE OF THE CLIENT OR HIS/HER REPRESENTATIVE, ACTS INDEPENDENTLY TO PROTECT THE CLIENT’S PORTFOLIO, AND ADVISES THE CLIENT ACCORDINGLY, GUIDED BY FINANCIAL PLANNING AND ADVISORY BEST PRACTICE, COMPANY POLICIES AND THE LAW.

• MEETS WITH THE HNW CLIENTS ON THEIR REQUEST AND/OR BY APPOINTMENT TO PROVIDE BOTH RESPONSIVE AND PROACTIVE SERVICE (E.G. TO UPDATE THEM ON NEW PRODUCTS/SERVICES, NEW RATES AND FINANCIAL MARKET DEVELOPMENTS THAT MAY BE OF INTEREST TO THE CLIENT).

• REFERS THE CLIENT TO EXTERNAL EXPERTISE, PREFERABLY AMONG COMPANY’S BUSINESS PARTNERS, AS IS NECESSARY AND FOLLOWS-UP ON REFERRAL TO ENSURE CLIENT’S NEED WAS MET, OR TAKES APPROPRIATE ACTION TO RE-DIRECT CLIENT.

• LIAISES WITH INTERNAL DEPARTMENTS AND EXTERNAL FINANCIAL AGENCIES TO HELP TO CLARIFY AND/OR RESOLVE ISSUES LIKELY TO IMPACT THE CLIENT’S FINANCIAL PLAN, AS IS WARRANTED.

• MONITORS THE HAPPENINGS IN OTHER COMPANIES WHERE THE CLIENT HAS FINANCIAL INTEREST FOR ISSUES OR EVENTS LIKELY TO IMPACT THE CFP AND CONTACTS THE CLIENT AS IS APPROPRIATE.

• REVIEWS AND IDENTIFIES BASIC GAPS IN CLIENT'S ENTIRE PORTFOLIO AND MAKE RECOMMENDATIONS TO THE CLIENT ACCORDINGLY, OR ON THE CLIENT’S REQUEST.

• REPORTS ON THE PORTFOLIO PERFORMANCE OF CLIENT’S TO THE MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES ON A MONTHLY BASIS, IDENTIFYING ANY OPPORTUNITIES AND SEEKING GUIDANCE TO IMPROVE PERFORMANCE

• CONDUCTS PORTFOLIO RE-BALANCING, AT A MINIMUM ANNUALLY BUT AS OFTEN AS REQUIRED

CLIENT MANAGEMENT:

• SERVE AS ONE OF THE PERSONS TO PROSPECT FOR NEW BUSINESS AMONG POTENTIAL HNW CLIENTS, TO HELP MEET THE COMPANY GROUP OF COMPANIES’ OBJECTIVES FOR REVENUE AND MARKET-SHARE, WHILE OBSERVING THE LIMITS FOR RISK EXPOSURE AND BUSINESS INTEGRITY.

• WITH THE ASSISTANCE OF THE UNIT’S ADMINISTRATIVE SUPPORT, GENERATES REPORTS ON THE CLIENT’S ACCOUNT FOR THE CLIENT AND/OR MANAGEMENT, AS REQUIRED, AND HEARS, HELPS TO DEFINE AND TO ADDRESS CLIENT CONCERNS, ESCALATING THE SITUATION ONLY AS IS REQUIRED. O IDENTIFIES “SPECIAL CASES” (E.G.  DUE TO AGE, HEALTH STATUS, FINANCIAL STATUS, DISTANCE FROM BRANCH), INITIATING ACTION TO ELIMINATE OR MITIGATE ANY OBSTACLES FACED BY THEM, INCLUDING REFERRING THEM  TO THE CORPORATE MANAGER OR CLIENT CARE SPECIALIST AS IS APPROPRIATE.

• ACTS AS ONE OF THE MEDIA FOR DISSEMINATING AUTHORISED INFORMATION TO CLIENTS.

GENERAL:

• ATTENDS MEETINGS WITH MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES AND GROUP PRODUCT PORTFOLIO MANAGER MONTHLY, OR AS REQUIRED

• ATTENDS TRAINING SESSIONS TO EQUIP WITH REQUISITE KNOWLEDGE TO EXECUTE RESPONSIBILITIES

• WITH THE SUPPORT OF THE UNIT’S ADMINISTRATIVE SUPPORT, PROCESSES CLIENTS' REQUEST (SIMPLE/COMPLEX) IN ACCORDANCE TO COMPANY STANDARDS

• MANAGES THE COF OF ASSIGNED CLIENT PORTFOLIO  

• PERFORMS ANY OTHER DUTIES ASSIGNED O PROMOTES THE COMPANY’S PHILOSOPHY OF THE VISION OF LOVE AND ITS UNIQUE CULTURE.

• IS ENGAGED IN THE TRANSFORMATION PROCESS FOR THE CONTINUOUS IMPROVEMENT OF THE COMPANY AND ITS ASSOCIATED COMPANIES.

EDUCATION, TRAINING & WORK EXPERIENCE REQUIRED:

• FIRST DEGREE IN MANAGEMENT, FINANCE, ECONOMICS OR MARKETING. GOOD QUANTITATIVE AND ANALYTICAL SKILLS.

• CERTIFIED FINANCIAL PLANNER (CFP) OR IN PURSUIT OF THE CERTIFICATION, OR ITS EQUIVALENT.

• LICENSED BY THE FINANCIAL SERVICES COMMISSION, OR A SUITABLE CANDIDATE FOR LICENSING.

• IN-DEPTH KNOWLEDGE OF FINANCIAL SECTOR INSTRUMENTS, LAWS, REGULATIONS, ETHICS AND PROFESSIONAL JARGON.

COMPANY’S FINANCIAL PLANNING SERVICES (FPS) LEVEL II CERTIFICATE AND CERTIFICATION IN PORTFOLIO PLANNING. INTIMATE KNOWLEDGE OF THE LOCAL FINANCIAL MARKET OPERATIONS, WHILE EXPOSURE TO INTERNATIONAL MONEY MARKETS WOULD BE A DISTINCT ASSET.

• EXCELLENT ORAL AND WRITTEN COMMUNICATION SKILLS. SKILLED IN THE USE AND INTERPRETATION OF NON-VERBAL COMMUNICATION. KNOWLEDGE OF A MAJOR FOREIGN LANGUAGE WOULD BE AN ASSET.

• HIGH LEVEL OF PROFICIENCY IN THE USE OF COMPUTERS, INCLUDING DATABASES, SCHEDULING SOFTWARE, WORDPROCESSING, SPREADSHEETS AND PRESENTATION PROGRAMMES.  

• MINIMUM OF FIVE YEARS’ WORK EXPERIENCE IN A SIMILAR CAPACITY (IN THE DIRECT PROVISION OF FINANCIAL ADVISORY AND/OR INVESTMENT SERVICES). A TRACK RECORD OF SUCCESSFUL FINANCIAL MANAGEMENT IS CRITICAL.

• PROVEN TRACK RECORD OF SALES PERFORMANCE AND CLIENT PORTFOLIO PERFORMANCE

MAIN DUTIES & RESPONSIBILITIES:

SALES:

• DOCUMENTS AND DRIVES PERSONAL SALES, MARKETING, AND PUBLIC RELATIONS ACTIVITIES,  TO MEET AGREED TARGETS FOR REVENUE AND MARKET SHARE THROUGH BUT NOT LIMITED TO:

1. SUPPORTING BRANCH ACTIVITIES, AS REQUIRED.

2. REPRESENTING THE BRANCH/COMPANY IN/AT COMMUNITY PROJECTS IN WHICH IT IS INVITED TO PARTICIPATE, AS ASSIGNED (E.G., GIVING BRIEF SPEECHES, MAKING PRESENTATIONS, ONE-OFF LECTURES).

• DRAFTS A PLAN FOR CLIENTELE DEVELOPMENT AND RELATIONSHIP, THAT IS IN ALIGNMENT WITH COMPANY’S MARKETING AND SALES STRATEGY, AND SUBMITS TO THE MANAGER, CLIENT PARTNERSHIP FOR REVIEW AND APPROVAL.

• CREATES A NETWORK AND SOLICITS NEW BUSINESS FROM INDIVIDUALS, GROUPS AND COMPANIES, WITHIN THE COMMUNITIES SERVED BY THE BRANCH OR AGREED TERRITORY.

• LIAISES WITH THE RELEVANT COMPANY DEPARTMENTS/UNITS TO DEVELOP EFFECTIVE DELIVERY OF APPEALING PROMOTIONS.

• MAKES PRESENTATIONS TO CONTRACT CLIENTS FOR THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

PORTFOLIO MANAGEMENT:

O   MANAGES THE COMPANY PORTION OF THE INVESTMENT PORTFOLIO OF INDIVIDUALS IN THE COMPANY’S PRIMARY CLIENT TARGET SEGMENT OF DESIGNATED HIGH NET WORTH (HNW) CLIENTS, IN ORDER TO MAXIMISE THEIR WEALTH, GUIDED BY AN INTIMATE KNOWLEDGE OF COMPANY GROUP OF COMPANIES PRODUCTS AND SERVICES,  KEEN MARKET ALERTNESS AND OTHER FINANCIAL PLANNING AND ADVISORY BEST PRACTICES, AS WELL AS THE LAW.

• PROVIDES FINANCIAL ADVICE TO BOTH ASSIGNED AND AD HOC POTENTIAL CLIENTS THAT EXCITES, EMPOWERS AND GUIDES HIM/HER/THEM IN PLANNING THEIR FINANCIAL PORTFOLIOS TO ACHIEVE THEIR FINANCIAL GOALS, THROUGH BUT NOT LIMITED TO THE FOLLOWING ACTIVITIES:

1.   INTERVIEWS THE CLIENT TO ENSURE THERE IS A CLEAR PICTURE OF THE CLIENT’S FINANCIAL SAVVY, STATUS AND GOALS (E.G. CURRENT FINANCIAL POSITION, EXISTING OBLIGATIONS, UNDERSTANDING OF FINANCIAL CONCEPTS, LEVEL OF RISK TOLERANCE, UNDERSTAND THE RISK INVOLVED IN MAKING INVESTMENTS THREATS/OPPORTUNITIES).

2.      EXPLORES INVESTMENT OPTIONS TO HELP GUIDE THE CLIENT MAKE APPROPRIATE CHOICES (E.G. THE OPTIMUM INVESTMENT ALLOCATION, DURATION, FLEXIBILITY IN INSTRUMENTS)  WITH AN EMPHASIS ON THE USE OF THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

3.   DISTINGUISHES AND EXPLAINS THE DIFFERENCES BETWEEN THE PRODUCTS/SERVICES OF COMPANY GROUP OF COMPANIES WITH THAT OF PERCEIVED COMPETITORS.

4.   DISCLOSES REQUIRED COMPANY INFORMATION TO CLIENT (E.G. INTEREST IN OTHER FINANCIAL INSTITUTIONS) AND HAS CLIENT DO THE SAME IN ORDER TO FACILITATE THE BUSINESS RELATIONSHIP.

5.   NEGOTIATES INTEREST RATES WITH CLIENTS BASED ON APPROVED PRE-DETERMINED BANDS.

O   DOCUMENTS THE CLIENT’S INVESTMENT POLICY STATEMENT (IPS) AND TAKES STEPS TO COMMENCE AND FACILITATE THE REQUIRED PROGRAMME OF ACTION.

• KEEPS ABREAST OF  AND ANALYSES INTERNAL AND EXTERNAL, LOCAL AND INTERNATIONAL FACTORS LIKELY TO POSE “THREATS” OR “OPPORTUNITIES FOR THE CLIENTS, AND ACTIVELY MANAGES THE CLIENTS PORTFOLIO THROUGH THE FOLLOWING:

1.   MONITORS THE ECONOMIC CLIMATE IN ORDER TO BE ABLE TO RECOMMEND TACTICAL RESPONSES TO CLIENTS.

2.   NOTES HOW INTERNAL FACTORS WITHIN THE COMPANY GROUP OF COMPANIES MAY POTENTIALLY AFFECT THE CLIENTS’ PORTFOLIOS.

3.   KEEPS ABREAST OF THE PERFORMANCE OF COMPANY'S PRODUCTS IN THE MARKETPLACE.

4.   ESTABLISHES A WORKING RELATIONSHIP WITH OTHER PROVIDERS IN THE FINANCIAL SECTOR, IN ORDER TO KEEP ABREAST OF CHANGES AND TO BE ABLE TO EXPEDITE RESOLUTION OF CLIENTS’ ISSUES.

5.   STAYS UP-TO-DATE ON THE RANGE AND FEATURES OF FINANCIAL OFFERINGS BEING MADE TO THE INVESTING PUBLIC.

6.   INTERPRETS MARKET EVENTS AND THEIR IMPACT ON THE CLIENT’S INVESTMENT.

7.   RECEIVES TRADING AND OTHER BUSINESS INSTRUCTIONS FROM THE HEAD OFFICE AND INCORPORATES IN CLIENTS’ PORTFOLIO STRATEGIES.

8.   REVIEWS THE CLIENT’S PORTFOLIO AS REQUIRED BY MARKET CONDITIONS, ON THE CLIENT’S REQUEST, OR WITHIN THE AGREED TIMEFRAME SPECIFIED IN THE CLIENT’S IPS.

9.   RECOMMENDS ACTION TO BE TAKEN BY THE CLIENT (E.G. HOLD/SELL/BUY, ADD NEW INSTRUMENT, CHANGE TIMEFRAME, REDEFINE GOAL), DISCUSSES THE OPTIONS AND/OR COACHES AS REQUIRED, AND MAKES AGREED ADJUSTMENTS.

• IN THE ABSENCE OF THE CLIENT OR HIS/HER REPRESENTATIVE, ACTS INDEPENDENTLY TO PROTECT THE CLIENT’S PORTFOLIO, AND ADVISES THE CLIENT ACCORDINGLY, GUIDED BY FINANCIAL PLANNING AND ADVISORY BEST PRACTICE, COMPANY POLICIES AND THE LAW.

• MEETS WITH THE HNW CLIENTS ON THEIR REQUEST AND/OR BY APPOINTMENT TO PROVIDE BOTH RESPONSIVE AND PROACTIVE SERVICE (E.G. TO UPDATE THEM ON NEW PRODUCTS/SERVICES, NEW RATES AND FINANCIAL MARKET DEVELOPMENTS THAT MAY BE OF INTEREST TO THE CLIENT).

• REFERS THE CLIENT TO EXTERNAL EXPERTISE, PREFERABLY AMONG COMPANY’S BUSINESS PARTNERS, AS IS NECESSARY AND FOLLOWS-UP ON REFERRAL TO ENSURE CLIENT’S NEED WAS MET, OR TAKES APPROPRIATE ACTION TO RE-DIRECT CLIENT.

• LIAISES WITH INTERNAL DEPARTMENTS AND EXTERNAL FINANCIAL AGENCIES TO HELP TO CLARIFY AND/OR RESOLVE ISSUES LIKELY TO IMPACT THE CLIENT’S FINANCIAL PLAN, AS IS WARRANTED.

• MONITORS THE HAPPENINGS IN OTHER COMPANIES WHERE THE CLIENT HAS FINANCIAL INTEREST FOR ISSUES OR EVENTS LIKELY TO IMPACT THE CFP AND CONTACTS THE CLIENT AS IS APPROPRIATE.

• REVIEWS AND IDENTIFIES BASIC GAPS IN CLIENT'S ENTIRE PORTFOLIO AND MAKE RECOMMENDATIONS TO THE CLIENT ACCORDINGLY, OR ON THE CLIENT’S REQUEST.

• REPORTS ON THE PORTFOLIO PERFORMANCE OF CLIENT’S TO THE MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES ON A MONTHLY BASIS, IDENTIFYING ANY OPPORTUNITIES AND SEEKING GUIDANCE TO IMPROVE PERFORMANCE

• CONDUCTS PORTFOLIO RE-BALANCING, AT A MINIMUM ANNUALLY BUT AS OFTEN AS REQUIRED

CLIENT MANAGEMENT:

O   SERVE AS ONE OF THE PERSONS TO PROSPECT FOR NEW BUSINESS AMONG POTENTIAL HNW CLIENTS, TO HELP MEET THE COMPANY GROUP OF COMPANIES’ OBJECTIVES FOR REVENUE AND MARKET-SHARE, WHILE OBSERVING THE LIMITS FOR RISK EXPOSURE AND BUSINESS INTEGRITY.

• GENERATES REPORTS ON THE CLIENT’S ACCOUNT FOR THE CLIENT AND/OR MANAGEMENT, AS REQUIRED

• HEARS, HELPS TO DEFINE AND TO ADDRESS CLIENT CONCERNS, ESCALATING THE SITUATION ONLY AS IS REQUIRED.

• IDENTIFIES “SPECIAL CASES” (E.G.  DUE TO AGE, HEALTH STATUS, FINANCIAL STATUS, DISTANCE FROM BRANCH), INITIATING ACTION TO ELIMINATE OR MITIGATE ANY OBSTACLES FACED BY THEM, INCLUDING REFERRING THEM  TO THE MANAGER, CLIENT PARTNERSHIP OR CLIENT CARE SPECIALIST AS IS APPROPRIATE.

• ACTS AS ONE OF THE MEDIA FOR DISSEMINATING AUTHORISED INFORMATION TO CLIENTS.

GENERAL:

O   ATTENDS MEETINGS WITH MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES AND GROUP PRODUCT PORTFOLIO MANAGER MONTHLY, OR AS REQUIRED

O   ATTENDS TRAINING SESSIONS TO EQUIP WITH REQUISITE KNOWLEDGE TO EXECUTE RESPONSIBILITIES

O   PROCESS CLIENTS' REQUEST (SIMPLE/COMPLEX) IN ACCORDANCE TO COMPANY STANDARDS

• MANAGES THE COF OF ASSIGNED CLIENT PORTFOLIO

O   PERFORMS ANY OTHER DUTIES ASSIGNED

O   PROMOTES THE COMPANY’S PHILOSOPHY OF THE VISION OF LOVE AND ITS UNIQUE CULTURE.

O   IS ENGAGED IN THE TRANSFORMATION PROCESS FOR THE CONTINUOUS IMPROVEMENT OF THE COMPANY AND ITS ASSOCIATED COMPANIES.

                                                                                                                            ____________________________________

EDUCATION, TRAINING & WORK EXPERIENCE REQUIRED:

·         FIRST DEGREE IN MANAGEMENT, FINANCE, ECONOMICS OR MARKETING. GOOD QUANTITATIVE AND ANALYTICAL SKILLS.

·         CERTIFIED FINANCIAL PLANNER (CFP) OR IN PURSUIT OF THE CERTIFICATION, OR ITS EQUIVALENT.

·         LICENSED BY THE FINANCIAL SERVICES COMMISSION, OR A SUITABLE CANDIDATE FOR LICENSING.

·         IN-DEPTH KNOWLEDGE OF FINANCIAL SECTOR INSTRUMENTS, LAWS, REGULATIONS, ETHICS AND PROFESSIONAL JARGON. COMPANY’S FINANCIAL PLANNING SERVICES (FPS) LEVEL II CERTIFICATE AND CERTIFICATION IN PORTFOLIO PLANNING. INTIMATE KNOWLEDGE OF THE LOCAL FINANCIAL MARKET OPERATIONS, WHILE EXPOSURE TO INTERNATIONAL MONEY MARKETS WOULD BE A DISTINCT ASSET.

·         EXCELLENT ORAL AND WRITTEN COMMUNICATION SKILLS. SKILLED IN THE USE AND INTERPRETATION OF NON-VERBAL COMMUNICATION. KNOWLEDGE OF A MAJOR FOREIGN LANGUAGE WOULD BE AN ASSET.

·         HIGH LEVEL OF PROFICIENCY IN THE USE OF COMPUTERS, INCLUDING DATABASES, SCHEDULING SOFTWARE, WORD-PROCESSING, SPREADSHEETS AND PRESENTATION PROGRAMMES.

·         MINIMUM OF FIVE YEARS’ WORK EXPERIENCE IN A SIMILAR CAPACITY (IN THE DIRECT PROVISION OF FINANCIAL ADVISORY AND/OR INVESTMENT SERVICES). A TRACK RECORD OF SUCCESSFUL FINANCIAL MANAGEMENT IS CRITICAL.

·         PROVEN TRACK RECORD OF SALES PERFORMANCE AND CLIENT PORTFOLIO PERFORMANCE

MAIN DUTIES & RESPONSIBILITIES:

SALES:

• DOCUMENTS AND DRIVES PERSONAL SALES, MARKETING, AND PUBLIC RELATIONS ACTIVITIES,  TO MEET AGREED TARGETS FOR REVENUE AND MARKET SHARE THROUGH BUT NOT LIMITED TO:

1. SUPPORTING UNIT’S ACTIVITIES, AS REQUIRED.

2. REPRESENTING THE UNIT/COMPANY IN/AT COMMUNITY PROJECTS IN WHICH IT IS INVITED TO PARTICIPATE, AS ASSIGNED (E.G., GIVING BRIEF SPEECHES, MAKING PRESENTATIONS, ONE-OFF LECTURES).

• DRAFTS A PLAN FOR CLIENTELE DEVELOPMENT AND RELATIONSHIP, THAT IS IN ALIGNMENT WITH COMPANY’S MARKETING AND SALES STRATEGY, AND SUBMITS TO THE CORPORATE MANAGER FOR REVIEW AND APPROVAL.

• CREATES A NETWORK AND SOLICITS NEW BUSINESS FROM INDIVIDUALS, GROUPS AND COMPANIES, WITHIN THE COMMUNITIES SERVED BY THE BRANCH OR AGREED TERRITORY.

• LIAISES WITH THE RELEVANT COMPANY DEPARTMENTS/UNITS TO DEVELOP EFFECTIVE DELIVERY OF APPEALING PROMOTIONS.

• MAKES PRESENTATIONS TO CONTRACT CLIENTS FOR THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

PORTFOLIO MANAGEMENT:

• MANAGES THE COMPANY PORTION OF THE INVESTMENT PORTFOLIO OF INDIVIDUALS IN THE COMPANY’S PRIMARY CLIENT TARGET SEGMENT OF DESIGNATED HIGH NET WORTH (HNW) CLIENTS, IN ORDER TO MAXIMISE THEIR WEALTH, GUIDED BY AN INTIMATE KNOWLEDGE OF COMPANY GROUP OF COMPANIES PRODUCTS AND SERVICES,  KEEN MARKET ALERTNESS AND OTHER FINANCIAL PLANNING AND ADVISORY BEST PRACTICES, AS WELL AS THE LAW.

• PROVIDES FINANCIAL ADVICE TO BOTH ASSIGNED AND AD HOC POTENTIAL CLIENTS THAT EXCITES, EMPOWERS AND GUIDES HIM/HER/THEM IN PLANNING THEIR FINANCIAL PORTFOLIOS TO ACHIEVE THEIR FINANCIAL GOALS, THROUGH BUT NOT LIMITED TO THE FOLLOWING ACTIVITIES:

1. INTERVIEWS THE CLIENT TO ENSURE THERE IS A CLEAR PICTURE OF THE CLIENT’S FINANCIAL SAVVY, STATUS AND GOALS (E.G. CURRENT FINANCIAL POSITION, EXISTING OBLIGATIONS, UNDERSTANDING OF FINANCIAL CONCEPTS, LEVEL OF RISK TOLERANCE, UNDERSTAND THE RISK INVOLVED IN MAKING INVESTMENTS THREATS/OPPORTUNITIES).

2. EXPLORES INVESTMENT OPTIONS TO HELP GUIDE THE CLIENT MAKE APPROPRIATE CHOICES (E.G. THE OPTIMUM INVESTMENT ALLOCATION, DURATION, FLEXIBILITY IN INSTRUMENTS)  WITH AN EMPHASIS ON THE USE OF THE PRODUCTS/SERVICES OF COMPANY AND ITS SUBSIDIARIES.

3. DISTINGUISHES AND EXPLAINS THE DIFFERENCES BETWEEN THE PRODUCTS/SERVICES OF COMPANY GROUP OF COMPANIES WITH THAT OF PERCEIVED COMPETITORS.

4. DISCLOSES REQUIRED COMPANY INFORMATION TO CLIENT (E.G. INTEREST IN OTHER FINANCIAL INSTITUTIONS) AND HAS CLIENT DO THE SAME IN ORDER TO FACILITATE THE BUSINESS RELATIONSHIP.

5. NEGOTIATES INTEREST RATES WITH CLIENTS BASED ON APPROVED PRE-DETERMINED BANDS.

• DOCUMENTS THE CLIENT’S INVESTMENT POLICY STATEMENT (IPS) AND TAKES STEPS TO COMMENCE AND FACILITATE THE REQUIRED PROGRAMME OF ACTION.

• KEEPS ABREAST OF  AND ANALYSES INTERNAL AND EXTERNAL, LOCAL AND INTERNATIONAL FACTORS LIKELY TO POSE “THREATS” OR “OPPORTUNITIES FOR THE CLIENTS, AND ACTIVELY MANAGES THE CLIENTS PORTFOLIO THROUGH THE FOLLOWING:

1. MONITORS THE ECONOMIC CLIMATE IN ORDER TO BE ABLE TO RECOMMEND TACTICAL RESPONSES TO CLIENTS.

2. NOTES HOW INTERNAL FACTORS WITHIN THE COMPANY GROUP OF COMPANIES MAY POTENTIALLY AFFECT THE CLIENTS’ PORTFOLIOS.

3. KEEPS ABREAST OF THE PERFORMANCE OF COMPANY'S PRODUCTS IN THE MARKETPLACE.

4. ESTABLISHES A WORKING RELATIONSHIP WITH OTHER PROVIDERS IN THE FINANCIAL SECTOR, IN ORDER TO KEEP ABREAST OF CHANGES AND TO BE ABLE TO EXPEDITE RESOLUTION OF CLIENTS’ ISSUES.

5. STAYS UP-TO-DATE ON THE RANGE AND FEATURES OF FINANCIAL OFFERINGS BEING MADE TO THE INVESTING PUBLIC.

6. INTERPRETS MARKET EVENTS AND THEIR IMPACT ON THE CLIENT’S INVESTMENT.

7. RECEIVES TRADING AND OTHER BUSINESS INSTRUCTIONS FROM THE HEAD OFFICE AND INCORPORATES IN CLIENTS’ PORTFOLIO STRATEGIES.

8. REVIEWS THE CLIENT’S PORTFOLIO AS REQUIRED BY MARKET CONDITIONS, ON THE CLIENT’S REQUEST, OR WITHIN THE AGREED TIMEFRAME SPECIFIED IN THE CLIENT’S IPS.

9. RECOMMENDS ACTION TO BE TAKEN BY THE CLIENT (E.G. HOLD/SELL/BUY, ADD NEW INSTRUMENT, CHANGE TIMEFRAME, REDEFINE GOAL), DISCUSSES THE OPTIONS AND/OR COACHES AS REQUIRED, AND MAKES AGREED ADJUSTMENTS.

• IN THE ABSENCE OF THE CLIENT OR HIS/HER REPRESENTATIVE, ACTS INDEPENDENTLY TO PROTECT THE CLIENT’S PORTFOLIO, AND ADVISES THE CLIENT ACCORDINGLY, GUIDED BY FINANCIAL PLANNING AND ADVISORY BEST PRACTICE, COMPANY POLICIES AND THE LAW.

• MEETS WITH THE HNW CLIENTS ON THEIR REQUEST AND/OR BY APPOINTMENT TO PROVIDE BOTH RESPONSIVE AND PROACTIVE SERVICE (E.G. TO UPDATE THEM ON NEW PRODUCTS/SERVICES, NEW RATES AND FINANCIAL MARKET DEVELOPMENTS THAT MAY BE OF INTEREST TO THE CLIENT).

• REFERS THE CLIENT TO EXTERNAL EXPERTISE, PREFERABLY AMONG COMPANY’S BUSINESS PARTNERS, AS IS NECESSARY AND FOLLOWS-UP ON REFERRAL TO ENSURE CLIENT’S NEED WAS MET, OR TAKES APPROPRIATE ACTION TO RE-DIRECT CLIENT.

• LIAISES WITH INTERNAL DEPARTMENTS AND EXTERNAL FINANCIAL AGENCIES TO HELP TO CLARIFY AND/OR RESOLVE ISSUES LIKELY TO IMPACT THE CLIENT’S FINANCIAL PLAN, AS IS WARRANTED.

• MONITORS THE HAPPENINGS IN OTHER COMPANIES WHERE THE CLIENT HAS FINANCIAL INTEREST FOR ISSUES OR EVENTS LIKELY TO IMPACT THE CFP AND CONTACTS THE CLIENT AS IS APPROPRIATE.

• REVIEWS AND IDENTIFIES BASIC GAPS IN CLIENT'S ENTIRE PORTFOLIO AND MAKE RECOMMENDATIONS TO THE CLIENT ACCORDINGLY, OR ON THE CLIENT’S REQUEST.

• REPORTS ON THE PORTFOLIO PERFORMANCE OF CLIENT’S TO THE MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES ON A MONTHLY BASIS, IDENTIFYING ANY OPPORTUNITIES AND SEEKING GUIDANCE TO IMPROVE PERFORMANCE

• CONDUCTS PORTFOLIO RE-BALANCING, AT A MINIMUM ANNUALLY BUT AS OFTEN AS REQUIRED

CLIENT MANAGEMENT:

• SERVE AS ONE OF THE PERSONS TO PROSPECT FOR NEW BUSINESS AMONG POTENTIAL HNW CLIENTS, TO HELP MEET THE COMPANY GROUP OF COMPANIES’ OBJECTIVES FOR REVENUE AND MARKET-SHARE, WHILE OBSERVING THE LIMITS FOR RISK EXPOSURE AND BUSINESS INTEGRITY.

• WITH THE ASSISTANCE OF THE UNIT’S ADMINISTRATIVE SUPPORT, GENERATES REPORTS ON THE CLIENT’S ACCOUNT FOR THE CLIENT AND/OR MANAGEMENT, AS REQUIRED, AND HEARS, HELPS TO DEFINE AND TO ADDRESS CLIENT CONCERNS, ESCALATING THE SITUATION ONLY AS IS REQUIRED. O IDENTIFIES “SPECIAL CASES” (E.G.  DUE TO AGE, HEALTH STATUS, FINANCIAL STATUS, DISTANCE FROM BRANCH), INITIATING ACTION TO ELIMINATE OR MITIGATE ANY OBSTACLES FACED BY THEM, INCLUDING REFERRING THEM  TO THE CORPORATE MANAGER OR CLIENT CARE SPECIALIST AS IS APPROPRIATE.

• ACTS AS ONE OF THE MEDIA FOR DISSEMINATING AUTHORISED INFORMATION TO CLIENTS.

GENERAL:

• ATTENDS MEETINGS WITH MANAGER, CLIENT PORTFOLIO AND INVESTMENT STRATEGIES AND GROUP PRODUCT PORTFOLIO MANAGER MONTHLY, OR AS REQUIRED

• ATTENDS TRAINING SESSIONS TO EQUIP WITH REQUISITE KNOWLEDGE TO EXECUTE RESPONSIBILITIES

• WITH THE SUPPORT OF THE UNIT’S ADMINISTRATIVE SUPPORT, PROCESSES CLIENTS' REQUEST (SIMPLE/COMPLEX) IN ACCORDANCE TO COMPANY STANDARDS

• MANAGES THE COF OF ASSIGNED CLIENT PORTFOLIO  

• PERFORMS ANY OTHER DUTIES ASSIGNED O PROMOTES THE COMPANY’S PHILOSOPHY OF THE VISION OF LOVE AND ITS UNIQUE CULTURE.

• IS ENGAGED IN THE TRANSFORMATION PROCESS FOR THE CONTINUOUS IMPROVEMENT OF THE COMPANY AND ITS ASSOCIATED COMPANIES.

EDUCATION, TRAINING & WORK EXPERIENCE REQUIRED:

• FIRST DEGREE IN MANAGEMENT, FINANCE, ECONOMICS OR MARKETING. GOOD QUANTITATIVE AND ANALYTICAL SKILLS.

• CERTIFIED FINANCIAL PLANNER (CFP) OR IN PURSUIT OF THE CERTIFICATION, OR ITS EQUIVALENT.

• LICENSED BY THE FINANCIAL SERVICES COMMISSION, OR A SUITABLE CANDIDATE FOR LICENSING.

• IN-DEPTH KNOWLEDGE OF FINANCIAL SECTOR INSTRUMENTS, LAWS, REGULATIONS, ETHICS AND PROFESSIONAL JARGON.

COMPANY’S FINANCIAL PLANNING SERVICES (FPS) LEVEL II CERTIFICATE AND CERTIFICATION IN PORTFOLIO PLANNING. INTIMATE KNOWLEDGE OF THE LOCAL FINANCIAL MARKET OPERATIONS, WHILE EXPOSURE TO INTERNATIONAL MONEY MARKETS WOULD BE A DISTINCT ASSET.

• EXCELLENT ORAL AND WRITTEN COMMUNICATION SKILLS. SKILLED IN THE USE AND INTERPRETATION OF NON-VERBAL COMMUNICATION. KNOWLEDGE OF A MAJOR FOREIGN LANGUAGE WOULD BE AN ASSET.

• HIGH LEVEL OF PROFICIENCY IN THE USE OF COMPUTERS, INCLUDING DATABASES, SCHEDULING SOFTWARE, WORDPROCESSING, SPREADSHEETS AND PRESENTATION PROGRAMMES.  

• MINIMUM OF FIVE YEARS’ WORK EXPERIENCE IN A SIMILAR CAPACITY (IN THE DIRECT PROVISION OF FINANCIAL ADVISORY AND/OR INVESTMENT SERVICES). A TRACK RECORD OF SUCCESSFUL FINANCIAL MANAGEMENT IS CRITICAL.

• PROVEN TRACK RECORD OF SALES PERFORMANCE AND CLIENT PORTFOLIO PERFORMANCE

CHOICE BUSINESS SOLUTIONS BELIEVES THERE IS NO WRONG PERSON…….WE KNOW THAT EVERYONE IS UNIQUE AND TALENTED IN THEIR OWN WAY.  WE ARE SEEKING THE RIGHT INDIVIDUAL TO JOIN ONE OF OUR CLIENTS' TEAM AS A DRIVER/WORKER.

EXPERIENCE/LEARNED DISCIPLINES

• WORK WELL WITH OTHERS, DETAIL ORIENTED, EFFECTIVE COMMUNICATION SKILLS – SPEAKS CLEARLY

• HONEST, WORKS WITH INTEGRITY, APPROPRIATE TIME MANAGEMENT SKILLS

• POSSESSES A GENERAL TRUCK LICENSE

• AT LEAST 3-YEAR WORK KNOWLEDGE IN SIMILAR POSITION.

• PREVIOUS EXPERIENCE IN SIMILAR POSITION WOULD BE AN ASSET

JOB SUMMARY

• TO PERFORM DRIVER, BEARER AND GENERAL WORK DUTIES IN AN EFFECTIVE AND EFFICIENCY MANNER.

• TO DELIVER PRODUCTS FROM THE DELIVERY AREA TO CHILLED ROOM

•  TO PERFORM DRIVER/BEARER DUTIES

• TO ASSIST IN PERFORMING OTHER DUTIES WHEN THERE ARE NOT MUCH DRIVING RELATED MATTERS.

• OTHER DUTIES WILL BE ADDED AS REQUIRED BY THE COMPANY.

OTHER REQUIREMENT

• CLEAN POLICE RECORD AND NO ACCIDENTS WITHIN THE LAST THREE (3) YEARS

• VALID DRIVER’S LICENSE

• DEFENSIVE DRIVING CERTIFICATION

• PREVIOUS DRIVING EXPERIENCE WOULD BE AN ASSET.

• UNDERSTANDING MECHANICAL ACTIVITIES AS IT RELATED TO VEHICLES

• UNDERSTANDING JAMAICA’S ROAD CODE

DESCRIPTION:

• PROVIDES RELIABLE DELIVERY/MESSENGER SERVICES.

• RESPONSIBILITY FOR THE INSTITUTION'S COURIER FUNCTION AND WILL BE EXPECTED TO WORK IN VARYING ENVIRONMENTS, COLLECTING AND DISTRIBUTING PACKAGES, MAIL AND OTHER ITEMS IN A SAFE, EFFICIENT AND CONFIDENTIAL MANNER.

QUALIFICATIONS:

• SECONDARY LEVEL EDUCATION

• A MINIMUM OF ONE (1) YEAR WORK EXPERIENCE IN A SIMILAR CAPACITY; WITH A DEMONSTRATED SENSE OF INTEGRITY IN THE DISCHARGE OF DUTIES;

• A VALID MOTOR BIKE LICENCE

• MUST OWN AND OPERATE A RELIABLE MOTOR BIKE AND BE

• WILLING TO WORK ON SOME WEEKENDS.

• DEMONSTRATE EXCELLENT CUSTOMER SERVICE

• STRONG INTERPERSONAL AND COMMUNICATION SKILLS AND THE ABILITY TO ESTABLISH AND MAINTAIN EFFECTIVE WORKING RELATIONS

• WILLINGNESS TO FOLLOW DETAILED INSTRUCTIONS

CHOICE BUSINESS SOLUTIONS BELIEVES THERE IS NO WRONG PERSON…….WE KNOW THAT EVERYONE IS UNIQUE AND TALENTED IN THEIR OWN WAY.  WE ARE SEEKING THE RIGHT INDIVIDUAL TO JOIN ONE OF OUR CLIENTS' TEAM AS A RETAIL BANKING OFFICER

SCOPE OF JOB:
USING THE FINANCIAL PARTNERSHIP CULTURE APPROACH AND GUIDELINES, SELLS ALL THE FINANCIAL PRODUCTS AND SERVICES OFFERED BY THE BANK IN THE FIRST INSTANCE AND THE GROUP BY EXTENSION (IN KEEPING WITH REGULATORY GUIDELINES, SOME MAY TAKE THE FORM OF REFERRALS TO OTHER REPRESENTATIVES WITHIN THE GROUP FOR CONVERSIONS). THIS INCLUDES BUT IS NOT LIMITED TO THE ESTABLISHMENT AND DEVELOPMENT OF  AN ENVIABLE CLIENT BASE THROUGH PROSPECTING; DIRECT SALES AND OFFSITE PRESENTATIONS. THE INCUMBENT IS RESPONSIBLE FOR SEVERAL PERFORMANCE INDICATORS INCLUDING A CONSISTENT AND ONGOING REVIEW OF EXISTING CUSTOMERS’ ACCOUNTS AS WELL AS ASSIGNED CREDIT PORTFOLIO, ENSURING THAT THE CUSTOMER IS KEPT ABREAST OF NEW DEVELOPMENTS AND SOLUTIONS TO MEET THEIR NEEDS AND THAT THE CREDIT DELINQUENCY LEVEL IS KEPT AT THE MINIMUM.

MAIN DUTIES & RESPONSIBILITIES:

BUILD NEW DEPOSIT AND INVESTMENT ACCOUNTS:
SELLS FINANCIAL PRODUCTS AND SERVICES OFFERED BY THE BANK.
ACTIVELY MARKETS THE PRODUCTS AND SERVICES OF THE COMPANY CONTRIBUTING TO THE EXPANSION AND DIVERSIFICATION OF ITS CLIENT BASE WITHIN THE ESTABLISHED TARGETS.
FOCUSES ON THE EXPANSION OF A VIBRANT CLIENT BASE THROUGH WHICH REVENUE TARGETS RELATED TO CREDIT, FOREIGN EXCHANGE AND WIRE TRANSFERS ARE ACHIEVED.
DEVELOPS AND MAINTAINS A PORTFOLIO FOR CLIENTS CONSISTENT WITH THE CLIENT’S NEEDS AND RANGING FROM THE SUITE OF PRODUCTS AND SERVICES OFFERED BY THE BANK.
ASSISTS IN THE PREPARATION OF MARKETING STRATEGIES AND PURSUES AGREED STRATEGIES GEARED AT PENETRATING THE TARGET MARKET FOR THE DEVELOPMENT OF THE SECONDARY MARKET OF GOVERNMENT AND OTHER APPROVED SECURITIES.
DEVELOPS LIST OF PROSPECTS TO TARGET FOR SALES OF SPECIFIC  PRODUCTS AND SERVICES ACCORDING TO MARKETING PLAN.
EXPANDS ACCOUNTS BY SELLING TO WALK-IN CUSTOMERS OR THROUGH, REFERRALS, ETC.
PHONES PROSPECTS -( INTERNAL AND EXTERNAL) CUSTOMERS TO SOLICIT NEW BUSINESS.
PREPARES AND SUBMITS A WEEKLY CALL REPORT (OR APPROPRIATE SALES PROSPECTING REPORT AS AGREED WITH TEAM LEADER).
INTERVIEWS AND PROFILES CUSTOMERS TO IDENTIFY SPECIFIC NEEDS (EXPRESSED AND UNEXPRESSED), INCLUDING DEPOSIT AND/OR INVESTMENT AND CREDIT REQUIREMENTS.
DEVELOP AN EARLY RAPPORT QUICKLY WITH WALK-IN CUSTOMERS.
MAKES PRESENTATION TO EXTERNAL GROUPS AS PART OF THE PROSPECTING, SERVICING AND OVERALL SALES STRATEGY.
SELLS CUSTOMER APPROPRIATE BANK PRODUCTS TO HELP PROSPECTIVE AND EXISTING CLIENTS MEET THEIR FINANCIAL NEEDS.
ENSURES PROPER DISCLOSURE OF TERMS AND FEES ARE ALWAYS PROVIDED TO THE CUSTOMER.
CALCULATES INTEREST INCOME BASED ON VARIOUS ACCOUNT OPTIONS AVAILABLE AND DIFFERENT TERMS.
ENSURES THAT APPLICATIONS AND SIGNING AUTHORITIES RELATING TO A SERVICE ARE COMPLETED CORRECTLY.
ESTABLISHES AND FOLLOWS A PERSONAL SALES PLAN WHICH IS LINKED TO THE OVERALL CORPORATE PLAN.
LIAISES WITH CUSTOMERS AND PORTFOLIO MANAGERS REGARDING PORTFOLIO PERFORMANCE AND NEGOTIATES CHANGES BASED ON ESTABLISHED PARAMETERS.
ASSISTS IN THE DEVELOPMENT AND IMPLEMENTATION OF STRATEGIES AND PROCEDURES FOR THE ACHIEVEMENT OF A HIGH CLIENT RETENTION RATE BUILT ON SUPERIOR SERVICE AND CLIENT SATISFACTION;
CONDUCTS FINANCIAL AND CREDIT ANALYSIS; PREPARING CREDIT PROPOSALS TO BE SUBMITTED FOR APPROVAL AND BOOKING AND DISBURSING LOANS FOR WHICH THE REQUISITE APPROVAL IS OBTAINED.
COMPLETES THE REQUISITE CLIENT TRANSACTION DOCUMENTATION BASED ON STANDARD ESTABLISHED POLICIES AND PROCEDURES;
PORTFOLIO DELINQUENCY MANAGEMENT PER ESTABLISHED OPERATING GUIDELINES

MAINTAINS EXISTING DEPOSIT AND INVESTMENT ACCOUNTS:
INTERVIEWS CUSTOMERS WHEN CLOSING ACCOUNTS IN AN EFFORT TO RETAIN/TRANSFER BUSINESS OR TO DETERMINE REASONS FOR CLOSURE AND THE PLACE OF RELOCATION, FOLLOWING  UP ON SERVICE ISSUES.
CONTACTS CUSTOMERS PRIOR TO MATURITY OF INVESTMENT INSTRUMENTS SUCH AS TERM DEPOSITS ETC., TO ACTIVELY SOLICIT INCREASED BUSINESS AND REINVEST BASED ON CUSTOMERS CURRENT NEEDS.
MONITORS THE STATUS OF CUSTOMER ACCOUNTS TO IDENTIFY SALES OPPORTUNITIES.
MAINTAINS ONGOING CUSTOMER RELATIONSHIPS AND PARTICIPATE IN CORPORATE MARKETING EFFORTS.
MANAGES ASSIGNED ACCOUNTS/PORTFOLIOS.
RESPONDS TO CUSTOMERS’ QUESTIONS AND ENQUIRIES; RECOGNIZING OPPORTUNITIES TO CROSS-SELL AND UP-SELL.  PROVIDES INFORMATION AND ASSISTANCE AS NECESSARY TO ACHIEVE ULTIMATE CUSTOMER SATISFACTION. REFER WHERE NECESSARY OBTAINING REQUIRED EXPERTISE.
RECEIVES AND HANDLES CUSTOMERS’ COMPLAINTS; ATTEMPTS TO ACHIEVE A SOLUTION WHICH IS MUTUALLY SATISFACTORY TO THE CUSTOMER AND THE BANK; DETERMINES WHEN SITUATIONS NECESSITATE REFERRAL TO OTHER STAFF WHICH WILL RESULT IN SOLIDIFIED RELATIONSHIPS.
INITIATES CHANGES TO THE CUSTOMER INFORMATION FILE BASED ON THE REQUEST OF THE CUSTOMER.
KEEPS UP TO DATE ON COMPETITOR PRODUCTS, SERVICE LEVELS, RATES, ETC.
ATTENDS TRADE SHOWS AND OTHER MARKETING INITIATIVES ARRANGED BY THE MARKETING DEPARTMENT OR BRANCH.
DEVELOPS RELATIONSHIPS WITH PROFESSIONALS AND OTHER BUSINESS ASSOCIATES TO GAIN THEIR REFERRAL BUSINESS.
KEEPS ABREAST OF DEVELOPMENTS IN THE FINANCIAL MARKET TO ACTIVELY PARTICIPATE IN THE STRATEGY BUILDING PROCESS FOR THE EFFECTIVE MATCHING OF ASSETS WITH CUSTOMER FUNDING NEEDS.
ACTIVELY PARTICIPATES IN THE DELIVERY OF SUPERIOR CUSTOMER SERVICE ON A CONSISTENT BASIS
REPRESENTS BRAND AT PRESENTATIONS OR IN DISCUSSION FORUMS AS AN SME, AS APPLICABLE