Financial Relationship Officer

CTBC Bank Corp USA•San Marino, CA

4d•$70,000 - $85,000•Hybrid

About The Position

The primary function of this role is to generate revenue for the branch by actively establishing a center of influence as a referral base and participating in community events. The officer will grow and expand the existing customer base through partner referrals and new customer acquisition by conducting effective needs assessments and recommending appropriate financial services products. This role involves meeting with current and potential customers to discuss their financial requirements, selling suitable consumer and commercial financial services products, and developing/expanding account relationships. It also includes conducting needs assessments for insurance products and services, identifying cross-sell opportunities, and referring customers to other sales representatives as appropriate. The role requires maintaining superior customer service to promote products and expand relationships, exceeding customer expectations in accuracy, efficiency, courtesy, and professionalism.

Requirements

Bachelor’s degree in business, banking, finance, economics or related field is preferred.
5+ years of product sales, customer relationship management, in the branch banking industry or related environment
Life and Health Insurance licenses preferred. Licenses are required to discuss and sell investment or insurance products with potential or existing customers.
Currently holding substantial customer portfolio/customer base is a big plus.
Knowledge of retail banking consumer and commercial products, loan products, financial reports, branch banking operations and procedures, and banking laws and regulations
Strong sales and marketing as well as business development skills
Ability to multi-task, handle large volumes, tight turnarounds, and multiple deadlines.
Ability to analyze and plan financial solutions for customer portfolios.
Fluent in English and Chinese (mandarin preferred) is a major plus.

Nice To Haves

Bachelor’s degree in business, banking, finance, economics or related field
Life and Health Insurance licenses
Currently holding substantial customer portfolio/customer base
Fluent in English and Chinese (mandarin preferred)

Responsibilities

Meet with current and potential customers with greater profit and growth potential, to discuss their financial requirements; sell appropriate consumer and commercial financial services products to meet their needs while developing and expanding account relationships.
Identify current and potential customers with additional profit potential and develop action plans to acquire and expand those relationships.
Conduct needs assessment with current and potential customers and recommends insurance products and services to meet individual needs, based on objectives, risk tolerance and proper asset allocations. Refer customers to licensed WM Financial Consultants as appropriate.
Identify cross-sell opportunities, including opportunities to refer customers to other sales representatives (CRE, C&I, PCM, MLO, WM FC) through proper customer profiling and needs-based selling.
Maintain superior and courteous service to promote products and expand customer relationships & Exceed customer expectations in terms of accuracy, efficiency, courtesy and professionalism.
Actively participate in community organizations to promote the bank’s image and develop sales leads and opportunities.
Open deposit accounts on bank’s system ensuring all documentation requirements, policies and procedures are adhered to.
Actively participate in all bank’s sales campaigns and promotions and exceed targets set.
Ensure compliance with Bank’s policy and procedures and government regulations.
Update and maintain the individual sales tracking records (i.e. customer portfolio reports, sales reports, and customer contact log) for sales tracking and performance review purpose.
Perform related duties, as required, for the training and development purposes.
Perform all assigned duties under Bank’s compliance programs and related laws & regulations.
Successfully complete all mandatory training on related Bank’s and BSA compliance as well as other laws and regulations as assigned and in a timely manner.