Personal Financial Consultant, Senai Branch MY

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