• Achieve the predefined objectives of the assigned office(s) by offering and selling the banking and insurance products, solutions, and services of the Banking Partner(s).
• Manage and further develop the client portfolio.
• Intervene in more complex cases and support less experienced colleagues to help them achieve their assigned objectives.
• Act as person responsible for distribution for both credit intermediation and insurance distribution in order to comply with FSMA requirements.

1. Offering and selling banking and insurance products and services : 

• Manage the office client portfolio (CRM, Bankstation, commercial image, etc.), contact clients and schedule appointments
• Execute and follow up on sales actions based on commercial campaigns (telephone follow-ups, lead follow-ups, etc.)
• Acquire new clients by analysing, discussing, and initiating leads from commercial staff / office managers
• Contribute to the action plan with the Bank Manager Retail based on the analysis of sales results and figures (individual and group results)

Conduct sales interviews:

• Identify financial needs
• Promote, advise, and close sales of banking and insurance products in compliance with IDD, MiFID, FSMA, and compliance rules
• Detect opportunities for additional products and generate leads for/from the office manager
• Perform operations related to banking and insurance products and services and correctly use the available supporting tools

2. Achieving commercial objectives (in collaboration with the Bank Manager Retail) : 

• Be responsible for achieving own sales targets and co-responsible for the targets of the region
• Analyse and report sales activities and results to the Bank Manager Retail
• Discuss sales activities and results and initiate corrective actions based on insights gained
• Participate in commercial meetings and banking trainings
• Report outcomes of client meetings to the commercial staff / office managers who provided the leads
• Organise meetings with office managers to exchange information and optimise portfolio management
• Contribute to gathering and sharing client, market, and competitor information
• Train office managers on specific products while gathering operational information
• Act as operational liaison officer between the retail network and the banking management structure

3. Development : 

• Stay informed about new banking and insurance products of the Banking Partner(s) and related procedures
• Continuously develop personal skills
• Share best practices with colleagues
• Support and guide (new) colleagues
• Maintain good collaboration with office managers and commercial staff
• Provide feedback and solutions to optimise banking sales processes

4. Compliance with legal and internal regulations : 

Comply with all legal obligations, internal codes of conduct, procedures, and rules applicable to banking, insurance, and credit intermediation, with specific attention to:

• IDD and MiFID regulations in the advisory and sales of investment products (consumer protection)
• Anti-money laundering and anti-terrorist financing legislation
• Management of conflicts of interest

Ensure:

• Supervision of (senior) credit and insurance advisors to comply with FSMA requirements regarding the distribution of banking products and services
• Compliance with current regulations on credit intermediation and insurance distribution
• Follow-up of operational risk controls and implementation of corrective measures if needed
• Coaching and advising colleagues (senior) credit and insurance advisors in credit intermediation and insurance distribution
• Acting as SPOC for assigned colleagues
• Ensuring proper cascade of relevant information to assigned colleagues
• Coaching other (senior) credit & insurance advisors

• Strong knowledge of sales techniques related to banking and insurance products and services of the Banking Partner(s).
• Strong knowledge of the financial market and of branch procedures related to the sale of banking and insurance products.
• Basic understanding of the functioning and organization of the Retail network.
• In possession of the required certifications, particularly for credit intermediation (consumer credit and mortgage loans) and insurance distribution (Life and Non-Life), including registration as a person responsible for the distribution of insurance products, in order to meet the legal requirements to perform the role.

Like a long-awaited parcel, we want to make you feel welcome and valued. Our offer includes a competitive monthly salary, that goes without saying. On top of that, you can count on:

• Meal vouchers of €8 per working day 
• Hospitalization-, group- and disability insurances 
• Work/life balance, thanks to flexible working hour
• 20 days of statutory leave and 7 additional extralegal days off  
• An end-of-year and performance-based bonus and double holiday pay
• Many benefits from more than 100 bpost-partners