Pro-actively develop a client base to which acceptable wealth management products can be sold, and advise these clients in investment management, estate planning, and overall financial planning for the future.
Analyze customers’ financial needs and advise them on investment choices and insurance products that best meet their needs to optimize the financial performance and achieve the highest level of customer satisfaction.
Represent the bank by participating in local professional and community associations and their networking activities.
Develop a client base to which acceptable wealth management products can be sold.
Collect and analyze information regarding the customer risk tolerance, long and short term goals, income, assets, investments and debts; determine which financial products best meet the customer needs and financial circumstances; advise the customer regarding the advantages and disadvantages of different financial products; and market, service or promote financial products
Develop internal referral resources to identify existing customers
Identify external prospects and build up new client relationships, including participating in joint calls with Financial Advisors, Branch Managers to further expand relationships.
Identify cross-sell opportunities, including opportunities to refer customers to other sales representatives (RBG, CRE, C&I, MLO) through proper customer profiling and needs-based selling
Represent the bank by participating in local professional and community associations and their networking activities so as to develop self sourced business
Understand and comply with all aspects of bank and Cetera policies and practices, laws and regulations governing the duties and responsibilities of product sales.
Ensure products sold are suitable for client’s risk tolerance and other appropriate factors.
Maintain all necessary licenses and registrations as required.
Keep abreast of products knowledge.
Successfully complete all mandatory training assigned in a timely manner
Maintain superior and courteous service to promote products and expand customer relationships.
Exceed customer expectations in terms of accuracy, efficiency, courtesy and professionalism
Ensure branch or work area is maintained in accordance with CTBC Bank and Cetera standards
Perform related duties, as required, for the training and development purposes.
Perform all assigned duties under Bank’s compliance programs and related laws & regulations
Successfully complete all mandatory training on related Bank’s and BSA compliance as well as other laws and regulations as assigned and in a timely manner.
Qualification & Prerequisites
3+ year of experience in financial product sales, service and advising
Bachelor’s degree or above in related field is preferred
Highly developed knowledge of investments, insurance product and financial planning modules.
NASD Series 7 and Appropriate State(s) Life & Health Insurance License(s)
Strong sales, marketing and business development skills
Team-oriented, and must have high standard of integrity and work ethic
Ability to work in an environment with flexible schedule
Fluency in English and Mandarin Chinese