Financial Partnership Officer - May Pen

Client Experience

1. Help clients in the Accumulation phase of their lifecycle identify their goals and create financial goal plans and make appropriate recommendations.
2. Assist clients to achieve their holistic financial objectives by conducting financial planning conversations to establish their financial position, obligations, risk tolerance, and goals, providing empowering financial advice for clients to follow through on goal plans.
3. Share comprehensive, accurate, and timely analysis of market information and outlook as provided by Research
4. Negotiate possible solutions based on JMMB Group's products and services, explaining differences from competitors, and establishing JMMB’s client value proposition.

3. Deepen financial partnership with clients by utilizing expertise from within the JMMB Group
4. Proactively identify client interests and potential opportunities that design financial goals for individuals and entities in the identified accumulator segment.

6. Share gaps, anomalies and opportunities identified promptly.
7. Present consistent public messaging in accordance with JMMB's guidelines.
8. Recommend innovative and ethical promotional strategies compliant with regulations.
9. Proactively engage and maintain client relationships through targeted contacts per month from datamining and updating CRM tools accordingly.
10. Disseminate accurate information about JMMB's offerings, operations, and culture.
11. Deliver informative and persuasive presentations within the sub-segment.
12. Ensure client retention through exemplary service and assistance with transactions or account issues.
13. Manage client relationship terminations and account closures positively to preserve the company's image.
14. Uphold strict confidentiality of client information among team members, adhering to legal requirements.
15. Negotiate rates while managing the weighted average cost of funds for the FLGC

Business Development (Deposits, Investments, Loan Portfolio)

• Drive growth in FUM & Loan volumes to maximise revenue by expanding JMMB's client base and offerings through internal and external partnerships and open or facilitate the opening of the required accounts.
• Establish financial partnerships and create initiatives for business development.
• Identify and capitalize on cross-selling opportunities within the country and group to meet clients' financial needs.
• Proactively engage with existing clients to deepen wallet-share as part of managing relationships and enhance portfolio values, updating relevant Client Relationship Management tools as required.
• Conduct interviews with clients to assess their stated and unstated needs, including deposits, investments, and credit requirements, using a financial planning approach.
• Deliver presentations to external groups and individuals as part of the prospecting and servicing strategy, ensuring transparent disclosure of terms, conditions, and fees.
• Ensure accuracy and completeness of documents for services requested.
• Perform financial and credit analysis, prepare credit proposals, and manage loan application in accordance with pre and post disbursement processes and policies.
• Pay special attention to delinquency management as per CRM policies and procedures.

Market Insights

• Stay informed about industry trends, market developments, and competitor insights
• Participate in FLGC/Company sales, marketing, and public relations activities to achieve profitability and market share targets.
• Utilize resources to create an ongoing list of prospective clients within the target segments.
• Continually canvasing the Market to make recommendations regarding new product developments and marketing innovations.

Relationship Building

• Efficiently process waiting client requests in alignment with JMMB's client care standards.
• Follow up on new account setups to ensure clients receive confirmation documentation within specified deadlines.
• Process client transactions accurately and in compliance with legal requirements and JMMB's client care standards.
• Provide periodic updates to clients regarding their portfolio status or general market activities.
• Support JMMB's contractual obligations to clients through after-sales service, adhering to relevant Service Level Agreements (SLAs).
• Highlight various service improvements (JMMB App, Online Onboarding, Digital Assistant…etc) and alternate channels for enhanced client experience.
• Proactively encourage client feedback and recommendations for improving service.
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Administrative Functions

• Utilize appropriate application or other Client Relationship Management tools to document leads, sales, meetings, events, and business outcomes.
• Prepare and follow up on any necessary loan documents and approval conditions for clients to sign and provide upon approval of the credit facility.
• Conduct required data searches, verify client signatures, and ensure accuracy and completeness of forms before entering data into UCS or other designated systems according to operating guidelines.
• Receive, input, and commit relevant data/documents (e.g., withdrawal requests, loans, deposits, fund transfers, foreign exchange transactions, loan payments, interest payments, change requests), ensuring data accuracy, proper documentation, Compliance requirements and signature verification before seeking authorization.
• Liaise with Credit Administrators regarding the preparation of security documentation for loans.
• Supports the migration of clients to appropriate digital and omni channels.
• Authorize transactions and sign documents on behalf of JMMB  within the parameters specified in the policy and procedure documentation.