PRIMARY PURPOSE OF JOB
The Financial Advisor combines interpersonal skills with all the resources Southern Bank and Ameriprise to help community clients realize their financial goals. Financial Advisors are provided training to help them build their business, including attracting and servicing relationships with their clients and prospects. Financial Advisors are responsible for assessing a client’s circumstances and objectives and based on that needs assessment, providing individualized, highly strategic investment consulting. Financial Advisors have access to a full range of wealth building, managing and preserving services through the Broker/Dealer, including mutual funds, stocks, bonds, managed accounts, ETFs, REITs, annuities, insurance and estate planning.
EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS
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Southern Bank team members exhibit Southern Bank’s values, which can be remembered with the acronym FIRSTS. We teach our team members about our “values in action,” which give further examples of how we can live out Southern Bank’s values.
- We act as a FAMILY – We know we’re not a related family, but we really care about people, both personally and professionally. We like knowing that our skills, our time, and our efforts contribute to the overall success of those we spend time with every day.
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We move with INNOVATION[DW1] – We push for better ways to solve problems. We are not afraid of a challenge; we’re driven to develop new ideas and solutions using creativity and experience. We are committed to leading, devising new solutions for all kinds of obstacles.
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We are ROOTED – We’re from here. These communities are our homes, and we are deeply invested in making our hometowns the best that they can be. We are firmly committed to success in the places where we’ve known people our whole lives.
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We prioritize SERVICE – We put others above ourselves. We make intentional decisions and take action to benefit others, be it in our daily work with our customers and fellow team members, or in volunteering our time, money, and energy in our communities.
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We build TRUST – We strive to be reliable and trustworthy, honest and transparent. We are dedicated to doing what’s best for our team members, our customers, and our communities, and they can be confident that we are who we say we are.
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We are a source of STRENGTH – We have a capacity and resilience that has come through years of experience and growth. We are able to support those who count on us, and those who need us can rely on us.
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Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.
ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS
- Assess client portfolios and financial objectives; provide tailored investment guidance;
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Build and manage relationships with affluent and high-net-worth clients using consultative, unbiased advisory approaches;
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Prospect new clients and nurture existing relationships;
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Recommend investment strategies aligned with client needs and goals;
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Deliver financial planning and wealth management solutions;
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Present seminars and educational sessions to clients and prospects;
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Train bank personnel on identifying and referring potential clients;
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Collaborate with bank leadership to integrate investment services across departments;
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Stay current on industry trends, products, and compliance through ongoing training;
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Represent Southern Bank in community events and activities; and,
- Ensure full compliance with industry regulations and standards.
KNOWLEDGE, SKILLS AND ABILITIES
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Excellent oral and written communication skills;
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Sales oriented and ability to interact with clients understand their goals and financial needs and recommend solutions;
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Assertive, competitive, self-starter, goal-oriented and results-driven with an entrepreneurial spirit;
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Highly self-motivated, creative, decisive. Ability to respond effectively and quickly to clients’ needs and issues. Excellent customer service skills;
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Proficient with the complete Microsoft Office suite including: Word, Excel, Outlook, etc.;
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Must be able to work independently with minimum supervision;
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Professional demeanor;
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Ability and experience articulating complex and in-depth concepts.
The following specifications are general guidelines based on the minimum education and experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS
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FINRA Series 7, 63 & 65 or Series 7 & 66 (Required);
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Life & Health Insurance License (Required);
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Clean U-4 and U-5 history;
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Ability to retain 60%+ of current book of business during transition to Ameriprise;
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Minimum 5 years as a producing advisor; and,
- Bachelor’s degree preferred.
CORE COMPENTENCIES
Exhibits Southern Bank’s values, as further described through our values in action.
Self-Motivated: Demonstrating a willingness to commit to one's work and to invest one's time, talent, and best efforts in accomplishing organizational goals.
Building Customer Loyalty: Effectively meeting customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty.
Sales Ability/Persuasiveness: Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients
