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Achieve the predefined objectives of the assigned office(s) by offering and selling the banking and insurance products, solutions, and services of the Banking Partner(s).
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Manage and further develop the client portfolio.
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Intervene in more complex cases and support less experienced colleagues to help them achieve their assigned objectives.
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Act as person responsible for distribution for both credit intermediation and insurance distribution in order to comply with FSMA requirements.
1. Offering and selling banking and insurance products and services :
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Manage the office client portfolio (CRM, Bankstation, commercial image, etc.), contact clients and schedule appointments
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Execute and follow up on sales actions based on commercial campaigns (telephone follow-ups, lead follow-ups, etc.)
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Acquire new clients by analysing, discussing, and initiating leads from commercial staff / office managers
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Contribute to the action plan with the Bank Manager Retail based on the analysis of sales results and figures (individual and group results)
Conduct sales interviews:
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Identify financial needs
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Promote, advise, and close sales of banking and insurance products in compliance with IDD, MiFID, FSMA, and compliance rules
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Detect opportunities for additional products and generate leads for/from the office manager
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Perform operations related to banking and insurance products and services and correctly use the available supporting tools
2. Achieving commercial objectives (in collaboration with the Bank Manager Retail) :
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Be responsible for achieving own sales targets and co-responsible for the targets of the region
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Analyse and report sales activities and results to the Bank Manager Retail
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Discuss sales activities and results and initiate corrective actions based on insights gained
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Participate in commercial meetings and banking trainings
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Report outcomes of client meetings to the commercial staff / office managers who provided the leads
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Organise meetings with office managers to exchange information and optimise portfolio management
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Contribute to gathering and sharing client, market, and competitor information
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Train office managers on specific products while gathering operational information
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Act as operational liaison officer between the retail network and the banking management structure
3. Development :
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Stay informed about new banking and insurance products of the Banking Partner(s) and related procedures
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Continuously develop personal skills
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Share best practices with colleagues
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Support and guide (new) colleagues
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Maintain good collaboration with office managers and commercial staff
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Provide feedback and solutions to optimise banking sales processes
4. Compliance with legal and internal regulations :
Comply with all legal obligations, internal codes of conduct, procedures, and rules applicable to banking, insurance, and credit intermediation, with specific attention to:
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IDD and MiFID regulations in the advisory and sales of investment products (consumer protection)
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Anti-money laundering and anti-terrorist financing legislation
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Management of conflicts of interest
Ensure:
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Supervision of (senior) credit and insurance advisors to comply with FSMA requirements regarding the distribution of banking products and services
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Compliance with current regulations on credit intermediation and insurance distribution
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Follow-up of operational risk controls and implementation of corrective measures if needed
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Coaching and advising colleagues (senior) credit and insurance advisors in credit intermediation and insurance distribution
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Acting as SPOC for assigned colleagues
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Ensuring proper cascade of relevant information to assigned colleagues
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Coaching other (senior) credit & insurance advisors
