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Health & Life Financial Services Rep

Posted: 01/24/2023

Job Description
Health and Life/Financial Services Rep
 
SUMMARY
Primarily focusing on Health and Life Insurance sales and management. Also, assisting the financial services manager in an investment sales support position, marketing investments products and services. 
 
MANDATORY REQUIREMENT
Background check/credit check and finger printing required.
 
ESSENTIAL EXPECTATIONS AND RESPONSIBILITIES
Customer Contact Skills
-Communicate with customers in a pleasant and professional manner in person and over the phone.
-Use customer name during the transaction.
-Listen for customer needs and make appropriate referrals.
-Effectively prepare written correspondence.
-Complete work accurately, pay attention to details.
 
Sales/Referrals:
-Sell bank services and refer business to the bank
-Stay current on and support marketing efforts
-Responsible for ensuring that individual calling goals are met
-Consult with current and prospective clients regarding financial planning and other financial services offered by the company
-Analyze client portfolios to discuss recommendations with clients and make updates as appropriate
 
Work Performance
-Meet established attendance standards
-Adhere to operational procedures
-Demonstrate knowledge of product/services when explaining them to a customer
-Take initiative – listen for opportunities to offer products/services
-Demonstrate techniques for establishing priorities
-Accurately enter data
-Ability to self-motivate and work independently
-Take initiative – ask for additional work
-Offer suggestions to improve efficiency
-Answer the phone within 3 rings, identify dept, self and ask how you can be of service
-Adhere to confidentiality policy
-Follow guidelines for dressing appropriately and professionally
 
Technical Skills
-Adhere to all compliance, regulatory and auditing guidelines 
-Enter application information (mutual funds, annuities, brokerage & fee-based accounts, life/health ins)  
-Enter information from the financial planning questionnaire into the data base      
-Actively sell investment products and services
-Be able to use financial planning software programs for entering data  
 
QUALIFICATIONS 
EDUCATION and/or EXPERIENCE
One year certificate from a college or technical school; or three-six months related experience and/or training; or equivalent combination of education and experience desirable.  Currently hold or obtain within six months, Life and Health Insurance Licenses. After that is completed obtain Series 7 & 66 Securities License to assist with investment sales.
 
INTERNAL EDUCATION
Keep current on learning about bank services and products.  Successfully complete all assigned reading material and required compliance training.
 
LANGUAGE SKILLS
Ability to read and comprehend complex instructions, short correspondence, and memos; write correspondence; and effectively present information in one-on-one and small group situations to customers, clients, and employees of the organization. 
 
MATHEMATICAL SKILLS
Ability to balance, calculate data and complete other entries; knowledge of spreadsheet basics or experience using accounting software; willing to learn time value of money calculations and be able to use the financial calculator.
 
REASONING ABILITY
Ability to follow written and oral instructions; be able to research situations and problem solve.         
 
PHYSICAL DEMANDS 
While performing the duties of this job, the employee is regularly required to sit/talk/listen;  frequently required to use hands to finger, handle, or feel; occasionally required to stand, walk, and reach with hands and arms; occasionally lift and/or move up to 25 pounds.  Specific vision abilities required include close vision and ability to adjust focus.
 
WORK ENVIRONMENT 
The noise level in the work environment is usually moderate.
 
INTERPERSONAL RELATIONS
As a team member, regularly interact with co-workers; expected to take the initiative to help see that the work is done and to help research or solve problems; expected to adapt to changes in procedures; and offer suggestions for improvement.
 
COMPUTER - WEBSITE SKILLS
Must be able to navigate websites and complete online training, testing and applications. 
 
COMPUTER SKILLS
Understand and be able to apply computer skills to communicate effectively within the organization using word processing to format letters or correspondence, set-up and maintain electronic folders/files; send/save attachments.  Depending on the position, have a basic understanding of accounting software to develop reports and forms such as spreadsheets/tables.
 
Be able to use email for communication (internal and external) and access outside websites as well as interface with the bank’s network.