JOB TITTLE- PERSONAL FINANCIAL CONSULTANT (PFC)- Grade- U8.S- Location- Branch- Reports To- Branch Manager- Other Reporting Relationship- Segment Manager- Job Purpose- Actively market and sell all core consumer products, primarily to branch walk-in customers. The Personal Financial Consultant executes a consultative selling process, which involves identifying and recommending CIMB products to meet customer's financial needs.- Key Products- Retail Loan- ASB Financing- Personal Financing- Wealth Management- Credit Card- Bancassurance- KEY RESPONSIBILITIES- 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 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- Key Perfomance Indicators- Qualification- 1. University Degree (preferably in business or accounting)*- 2. Banking diploma with 3 years relevant banking experience may be considered- Graduates and diploma holders are required to have a minimum of 4 credits in SPM- Experience- 2 - 3 years banking / sales and marketing experience is preferrable- Fresh graduates may be considered- Education & Training (or equivalent)- Skill / Competencies- To be update based on Competency Modal- 1. Good networking skills, customer focus, confident, proactive and results oriented- 2. Exellent communication skills. Profficient in English and Bahasa Malaysia. Mandarin is preferable but optional.- 3. Good business ettqutte and image.- 4. Computer skills e.g. Microsoft Office
