Personal Financial Consultant, Jalan Kuning Dua Taman Pelangi Branch MY

Sales Responsibilities:
• To actively identify and pursue sales opportunities 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 cold calls.
─Participating in sales activities/customer acquisition activities organized 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.

Marketing Responsibilities:
• To actively market and sell CIMB's consumer products to all customers by:
─Understanding and 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 requests 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 plans 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 the 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 processes 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 informing Branch Manager, where appropriate.
─Resolving customer's problems and complaints on sales-related matters and escalating unresolved complaints to Branch Managers on an 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 with CIMB Bank's policies and procedures, including credit control procedures, audit compliance, BNM Guidelines, etc.
• To comply with the sales code of ethics and governance.
• To respond to compliance inquiries 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 the 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 maximizing 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.