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Financial Advisor, Business - Cold Lake
Business Unit Description: Retail Markets provides a full range of financial products and services to almost 11 million personal, business and wealth clients, as well as investment management services globally to retail and institutional clients.
CIBC Retail Markets has a broad distribution network serving clients through close to 1,100 branches, as well as CIBC Wood Gundy offices and President's Choice Financial in-store pavilions. Clients also have 24/7 access to telephone banking, online and mobile banking and online brokerage, as well as to Canada's second largest ABM network.
Relevant Job Criteria: - Full Time: 37.5 hrs/week. - Work days: Monday to Friday - This role will be accountable for meeting the needs of both personal and small business banking clients.
Job Overview: The Financial Advisor Business reports to a General Manager. This position is an ideal choice for a seasoned, result-oriented individual that can sustain and grow relationships with CIBC's Small Business Banking clients. You will become a trusted advisor to our small business clients, providing financial advice both on their personal and small business needs to help them achieve what matters to them.
KEY ACCOUNTABILITIES . Establishing and maintaining strong client relationships in order to understand business clients' needs and objectives by: . Proactively managing a portfolio of business clients using relationship sales management skills and techniques to meet both business and personal needs. . Focusing on the small business client base to maximize sales opportunities and further penetrate and enhance client relationships. . Managing all assigned business credits up to a value of $5MM, including BCLASS, iCap, and agriculture, within prescribed limits by: analyzing client profile and financial information, meeting with clients to define/identify/analyze their business/agriculture borrowing/financing needs and goals and providing CIBC solutions to meet their needs. . Identifying additional opportunities to increase sales and use of business products with existing clients. . Delivering an integrating offer providing financial solutions to meet the both the business and personal needs of business clients . Proactively establishing and maintaining client relationships to understand clients financial situation . Leading business development activities through active involvement in the business community . Establishing and maintaining effective partnerships and teamwork with business colleagues and partners to deliver the CIBC solutions to business clients . Updating knowledge and skills in order to meet client needs and interaction preferences
Requirements: Well developed knowledge of a broad range of business and/or agriculture products and lending practices sufficient to meet the needs of business clients whose business needs are simple to complex. . Working knowledge of the small business banking industry and the needs of small business clients, current events, business affairs, trends in the marketplace, and the environment in which business is transacted locally. . Well-developed knowledge of deposit, convenience, investment, credit products/services sufficient to sell and deliver the full range of personal products. . Developed knowledge of the small business lifecycle, small business planning and financial statement analysis. . Detailed working knowledge of estate planning, powers of attorney, wills, family trusts, creditor insurance and tax sufficient to provide clients with a general level of information on these products/services and refer them to appropriate professionals when applicable. . Developed knowledge and ability to demonstrate sales management techniques and understanding of business strategies . Well-developed knowledge of relationship selling skills, including spreads/pricing authorities, sufficient to manage a portfolio of small business clients business and personal needs. . Well-developed knowledge of financial planning and the factors, which indicate financial position and goals and the ability to create financial plans to meet client goals and objectives. . Well developed ability to examine portfolio client base to identify potential for further business. Plan and execute a business development plan to acquire business clients in support of business unit objectives and CIBC strategies. . Well-developed knowledge of relevant regulatory and compliance to effectively manage risk. . Well-developed interactive/presentation skills sufficient to communicate detailed factual and conceptual information/ideas to clients with sophisticated needs either on an individual basis or in a seminar format. . Developed ability to establish and maintain good client and colleague relationships through active listening, demonstrating empathy, diffusing emotions and the resolution of interpersonal conflicts.
Designations/Accreditation:
. MFDA license - CIFC or CSC required
ATTRIBUTES & COMPETENCIES
. Accountability . Communication . Confident . Impact & Influence . Relationship Building . Results Orientation . Service Orientation
APPLICATION INSTRUCTIONS:
1. Resumes must be submitted online only, through the (RMS) Recruitment Management System. 2. Late submissions will not be accepted. 3. If you are a CIBC employee and wish to refer someone for this position, please register your referral as per the Talent Scout guidelines. Your referral must apply through the website. 4. CIBC thanks all applicants for their interest however only those selected for an interview will be contacted.
Rewards
At CIBC, we're committed to providing employees with fair and competitive compensation that reflects individual contribution, business performance and related markets. Our total compensation programs are comprised of direct and indirect components. Together they reward employee capability and performance and promote employee well-being.
Benefits
Employee Share Purchase Plan
Employee Banking Offer
Recognition
At CIBC, there are formal and informal methods available to acknowledge employee and team contributions throughout the year. Formal recognition programs recognize outstanding performance by individuals and teams at CIBC. CIBC's formal programs include the CIBC Achievers Program, eAchievers and the Chairman's Council and President's Council Awards in Wood Gundy. We developed these programs to reward those who demonstrate our core values of Trust, Teamwork and Accountability.
