Financial Advisor

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Description

SUMMARY

Sell investment products including but not limited to stocks, bonds, mutual funds, fixed, indexed, immediate and variable annuities, life insurance, LTC insurance, UITs, ETFs, and REITs.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Sell investment products and/or services based on customer needs and agreed upon production goals.
• Provide regular reviews and existing clients’ portfolios.
• Complete GPM Plan for all managed accounts.
• Utilize sales training skills to provide outstanding customer service.
• Generate and maintain a marketing program within designated market area.
• Attend Office meetings in designated market area to provide training to staff.
• Cross sell F&M Bank products and services.
• Complete continuing education to maintain securities and insurance licenses.
• Complete and satisfactorily pass tests for bank policy and regulations that apply to position
  
  

Supervisory Responsibilities

This job has no supervisory responsibilities.

Performance Factors

To perform the job successfully, an individual should demonstrate the following competencies:

Sales

Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customer’s relationship consistent with the Bank’s Sales Culture.

Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism.

Communication Skills

Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank’s telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback.

Job Knowledge

Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures.

Problem Solving

The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.

Attention To Detail

The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.

Ethics

The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.

Requirements

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 (B. A.) from four-year college or university; and at least four years Investment Management and/or sales experience; or equivalent combination of education and experience. Ability to utilize Microsoft Outlook, Excel, and Word. Ability to utilize software tools provided by broker-dealer. Ability to use internet and websites to provide investment analysis.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, prospectus, and investment fact sheets. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, percentages, area, and rate of return. Ability to apply concepts of basic algebra.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

CERTIFICATES, LICENSES, REGISTRATIONS

Series 7, Life & Health Insurance License, Either Series 63 and 65, or 66.Valid driver's license

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Ability to use computer for long periods of time and there will be heavy telephone use. This person may also be required to work at other banking centers.

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.

This Person Will Have The Ability To

• Work Monday – Saturday, generally with a day off and / or occasional extended hours as needed to accommodate the customer needs.
• Work on a holiday and be provided another day off throughout the year.
• Maintain a professional appearance and manner.
• Work independently and as part of a team.