SUMMARY
Through this person, non-bank investment solutions are offered to meet the long-term investment needs of customers within the bank's market area. Investment solutions will include trust, insurance, mutual funds, fixed and variable annuities, as well as individual securities.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following: other duties may be assigned.
- Contact potential investment customers; develop financial profiles with a comprehensive approach to identify areas of opportunity to deliver investment solutions (investments or trust) that best fit the needs of the customer.
- Originate investment services in full compliance with bank policies and regulations, requirements of the SEC, NASD, and the bank's broker-dealer.
- Maintain required documentation in customer files or in designated CRM tool in such order that files may be readily reviewed.
- At a minimum, conduct annual reviews of customer relationships to determine if current plans are still appropriate and that the investment solution(s) still fit the customer's current need(s).
- Maintain customer records so that full detailed reports are available for review. These reports will allow an analysis of customer relationships and the types of products sold.
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.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Bachelor's degree from four-year college or university in field relating to investments and/or equivalent job experience with the ability to pass required examinations; previous experience of 2 or more years of investment sales.
OTHER SKILLS & ABILITIES
Excellent communications skills are vital to this position. This individual will be self-motivated to make numerous contacts, primarily through use of the telephone and referrals from existing customers. Direct mail, seminars and advertising may be used to compliment direct contacts. This person must be able to work effectively within the requirements of all entities that regulate the activities of investment sales.
LANGUAGE SKILLS
Ability to communicate effectively, verbally, and in writing, and to speak effectively to groups. Ability to read and correctly interpret rules, regulations, policies and procedure that relate to investments.
MATHEMATICAL SKILLS
Ability to calculate and communicate interest and gains on investments, commissions, discounts, percentages, and penalties. Must know or quickly learn to communicate through a variety of media, including formal presentations and graphs.
REASONING ABILITY
Ability to offer a variety of investment strategies designed to meet the expressed needs of investors and adapt to the unique desires of individuals.
LICENSES
Need to have series 7 and 66 securities license and State of Montana Life, Disability, and Variable Contracts Insurance licenses.
PHYSICAL DEMANDS
While performing the duties of this job, the employee is regularly required to talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
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