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Description
Description Summary Consults with clients and prospects to determine course of action(s) designed to help meet their financial and investment goals by performing the following duties
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Completes a suitability review with customer to assess the investors financial situation, including, but not limited to, his age, income, net worth, current investments, investment experience and objectives, investment time horizon, risk tolerance, and liquidity needs.
Makes full disclosures required in conjunction with selling non-deposit investment products on bank premises.
Discusses benefits and risks as well as other product features pertaining to possible investment solutions for the customer.
Recommends product(s) and/or services based on the information provided by the customer that are suitable for the investors needs.
Meets with existing clients periodically to update them on potential investments and to determine whether any life changes (marriage, disability, retirement, etc.) have occurred that may affect their financial and investment goals.
Completes all customers paperwork in accordance with compliance and company guidelines including providing prospectus if applicable.
Receives customers trade orders and instructions for money movement and processes according to regulatory requirements.
Reviews all paperwork for accuracy and completeness before forwarding to HIS operations for processing
Creates a file to be kept at the representatives hub branch with copies of all transactions
Creates and maintains a weekly appointment schedule of branch location to meet with customers
Trains branch personnel on how to make referrals
Assists and supports in meeting their referral and investment goals by organizing call parties, customer appreciation days, etc.
Conducts yearly compliance meeting with all branch personnel to ensure FINRA guidelines are being followed
Attends branch meetings to monitor needs of branches
Maintains proper FDIC/SPIC signage and current brochures in all branches
Looks for cross-referral opportunities to direct deposit, loan, trust, and insurance business to the bank.
Attends annual compliance continuing education meeting held by Hancock Investment Services
Successfully completes required continuing education in compliance with both insurance and securities regulations
Schedules and attends computer based continuing education courses as needed
Renews insurance license on an annual basis prior to deadline
Completes and sends daily activity sheets to Baton Rouge office weekly
Creates action plans for approval from sales manager
Participates in Quarterly Reviews with Sales Manager, HIS CEO, and Compliance Director
Complies with State Insurance and Securities regulations
Contacts and qualify prospective clients, explains features and merits of options offered, and presents options based on analysis of prospects exposure to loss
Uses a consultative sales process, determines client needs, obtains commitment and proposes solutions
Anticipates future needs and calls on established clients to upgrade accounts
Coordinates with bank business partners in order to have the opportunity meet with bank customers and determine how to meet their investment needs
Develops marketing and sales strategy to market products to non-bank customers
Participates in community affairs to increase company and banks visibility and to enhance new business opportunities
Compiles lists of prospective clients to provide leads for additional business
Contacts and qualifies prospective clients and develops an action plan to assess their investment needs, acceptable risk level and to present solutions.
Develops long-term relationships with clients
Secondary Duties
Continually expands product knowledge and consultative selling skills through self-study and continuing education programs
Defines and maintains client service agreements
Undertakes special projects to enhance the sales and marketing process
Serves as a business partner to bankers and fellow financial advisors
Special Skills and Abilities
Ability to learn to understand and communicate all investment products and procedures of the company
Ability to obtain and maintain life and securities licenses
Ability to identify selling opportunities to up-sell and cross-sell bank products and services
Ability to interact with individuals of widely divergent lifestyles
Supervisory Responsibilities
This job has no supervisory responsibilities.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Education and/or Experience
Required: Bachelor''s degree and at least two years related experience and/or training; or equivalent combination of education and experience
Preferred: Experience in Brokerage/Insurance and/or Banking/Retail Exp
Language Skills
Ability to communicate effectively orally and in writing using the English language; Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations; Ability to write reports, business correspondence, and procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public
Mathematical Skills
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume; Ability to apply concepts of basic algebra and geometry
Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists; Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form
Certificates, Licenses, Registrations
Life Insurance License fixed annuity and variable annuity FINRA
Investment License(s) Series 7, 63, 65/66
Prefer to hold license when hired, but not required. License is required within 120 days of employment
Computer Skills and Abilities
Intermediate knowledge of, Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access; Ability to learn or knowledge of Outlook email program;
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Core Values - Has a high level of commitment to service to all of our customers, both external and internal; Honors others and acts with integrity and ethics; Promotes Hancock Holding Company in safety and financial strength and stability; Exhibits teamwork and the value that no one person is more important than another; Accepts personal responsibility for actions.
Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics
Project Management - Develops project plans; Communicates changes and progress
Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments
Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control
Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Demonstrates group presentation skills
Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information
Visionary Leadership - Displays passion and optimism; Inspires respect and trust
Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results
Delegation - Matches the responsibility to the person; Sets expectations and monitors delegated activities
Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness
Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition
Cost Consciousness - Contributes to profits and revenue; Develops and implements cost saving measures; Conserves organizational resources
Diversity - Shows respect and sensitivity for cultural differences; promotes a harassment-free environment
Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values
Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization''s goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity
Strategic Thinking - Identifies external threats and opportunities; Adapts strategy to changing conditions
Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions
Motivation - Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence
Planning/Organizing - Uses time efficiently; Develops realistic action plans
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Monitors own work to ensure quality
Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events
Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others'' attention
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to speak and hear, specifically on the telephone, with supervisors, managers, directors and with other employees as well as in person. The employee is frequently required to walk; sit and use hands for fine motor activity such as using a computer mouse, feeling specific items, filing, typing, writing etc. The employee is occasionally required to stand and reach with hands and arms.
The employee must occasionally lift and/or move up to 30 pounds. Specific vision abilities required by this job include close vision, distance vision and depth perception.
The employee is often expected to have regional travel without an overnight stay. Overnight stays are seldom but occasionally required.
Specific vision abilities required by this job include close vision, distance vision, color vision and depth perception.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate. However, it may differ quite a bit between varying customers and their work environments.
Assignment of Duties
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT''S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THE JOB AT ANY TIME.
Details:
Job Id:
29160695
Posted / Updated:
4/24/2012 3:38:22 AM
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