Job Description

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JOB DESCRIPTION

JOB TITTLE PERSONAL FINANCIAL CONSULTANT (PFC)

Grade

Location Branch

Reports To Branch Manager

Other Reporting Relationship Segment Manager

Subordinates

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 \xe2\x80\xa2 Retail Loan

• ASB Financing

• Personal Financing

• Wealth Management

• Credit Card

• Bancassurance

KEY RESPONSIBILITIES

Sales Planing \xe2\x80\xa2 To actively identify and pursue sales opportunity by :

\xe2\x94\x80 Generating new leads through asking for referrals, networking with lawyers, real estate agents, data mining existing depositors for additional opportunities etc.

\xe2\x94\x80 Following up on leads promptly

\xe2\x94\x80 Executing requisite number of con calls.

\xe2\x94\x80 Participating in sales activities / customer acquisition activities organized by Branch or HQ

• To manage sales pipelines by:

\xe2\x94\x80 Participating in sales management routines where sales activities and results will be reviewed with BM

• To maintain accurate and updated information by:

\xe2\x94\x80 Keeping abreast with updated product information and market changes (e.g. revised interest rate of CIMB products and competitors, equity, interest rate markets)

\xe2\x94\x80 Maintaining accurate and updated information on customers.

\xe2\x94\x80 Maintaining accurate and updated information on leads and pipeline reporting.

Sales Execution \xe2\x80\xa2 To actively market and sell CIMB\'s consumer products to all customers by :

\xe2\x94\x80 Understanding assessing customer\'s requirements and recommending appropriate consumer products. (using the relevant performance support tools : e.g. Tactical Sales Tool, CPMS)

\xe2\x94\x80Actively 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 attending launch sites (e.g. product roadshows) when required.

• To ensure turnaround time for credit, wealth and bancassurance applications and fulfillment 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 \xe2\x80\xa2 To build and maintain long-term and profitable relationships by:

\xe2\x94\x80 Providing quality customer service that upholds customer waiting time.

\xe2\x94\x80 Obtaining customer\'s feedback on sales - related matters and inform Branch Manager, where appropriate.

\xe2\x94\x80 Resolving customer\'s problems and complaints on sales - related matters and escalate unresolved complaints to Branch Managers on exception basis

Compliance \xe2\x80\xa2 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 \xe2\x80\xa2 To encourage and promote teamwork within branch sales team by :

\xe2\x94\x80 Providing assistance (e.g. training, knowledge sharing, covering of duties ) to sales team members where necessary

\xe2\x94\x80 Identifying and sharing new ideas and approaches for increasing sales and maximizing customer experiences

\xe2\x94\x80 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 Performance Indicators

Qualification * Note : The qualification indicated are the ideal requirements for the position. Exceptions may apply internally promoted staff based on performance

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 preferable

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. Excellent communication skills. Proficient in English and Bahasa Malaysia. Mandarin is preferable but optional.

3. Good business etiquette and image.

4. Computer skills e.g. Microsoft Office

CIMB