Personal Financial Consultant, Kota Tinggi Branch MY

Job description

Sales Planing

To actively identify and pursue sales opportunity by

• ─ Generating new leads through asking for referrals, networking with lawyers, real estate agents, data mining existing depositors for additional opportunities etc. ─ Following up on leads promptly ─ Executing requisite number of con calls. ─ Participating in sales activities / customer acquisition activities organised by Branch or HQ

To manage sales pipelines by

• ─ Participating in sales management routines where sales activities and results will be reviewed with BM

To maintain accurate and updated information by

• ─ Keeping abreast with updated product information and market changes (e.g. revised interest rate of CIMB products and competitors, equity, interest rate markets) ─ Maintaining accurate and updated information on customers. ─ Maintaining accurate and updated information on leads and pipeline reporting.

Sales Execution

• To actively market and sell CIMB's consumer products to all customers by : ─ Understading assessing customer's requirements and recommending appropriate consumer products. (using the relevant performance support tools : e.g. Tactical Sales Tool, CPMS) ─Actively cross - selling to CIMB's customers.
• To execute sales based on customer request on timing
• Referring new non-consumer lending opportunities to the appropriate units (e.g. SME desk, Business Banking)
• To work with the branch sales team to execute marketing and sales plan communicated by the Branch Manager such as atteding launch sites (e.g. produt roadshows) when reqiured.
• To ensure turnaround time for credit, wealth and bancassurance applications and fullfillment processes in system (straight Through and Forms) are within service levels agreed upon. Escalate to Branch Manager when necessary
• To ensure completeness and accuracy of documentation or data entry upon submission or after sales services to Fulfillment Operations.
• To comply with process and procedures for sales execution, appeals, discounts, redemption etc.

Customer Relationship

• To build and maintain long-term and profitable relationships by: ─ Providing quality customer service that upholds customer waiting time. ─ Obtaining customer's feedback on sales - related matters and inform Branch Manager, where appropriate. ─ Resolving customer's problems and complaints on sales - related matters and escalate unresolved complaints to Branch Managers on exception basis Compliance
• To manage portfolio risk exposure for customers (only applicable when it is technology enabled)
• To ensure that there are no discrepancies, exceptions and non-compliance when booking rates (e.g. Unit Trust, Currency and Treasury products)
• To strictly comply to the CIMB Bank's policies and procedures, including credit control procedures, audit compliance, BNM Guidelines etc
• To comply with sales code of ethics and governance
• To respond to compliance enquiries from Vertical line (BM, RD & CSD Head ) and Horizontal line (Segment Manager and Sales Segment Support Lead) People Management
• To encourage and promote teamwork within branch sales team by : ─ Providing assistance (e.g. training, knowledge sharing, covering of duties ) to sales team members where necessary ─ Identifying and sharing new ideas and approaches for increasing sales and maximising customer experiences ─ Maintaining a conducive and professional working relationship within the sales team.
• To project a professional business image at all times through high standards of housekeeping and personal grooming
• To participate in the Continuous Professional Development Program