深圳招聘

职位描述：

Scope Of Role:

The job purpose of an Investment Advisor is to support the growth of SCB’s AUM in investment products by
(i) providing online advisory services (Video Banking) to customers on portfolio construction and portfolio review;
(ii) ensuring SCB offers a differentiated, best-in-class, consistent advisory proposition across customer segments;

(iii) supporting client care centre in wealth knowledge update and training.

This will primarily involve providing professional expert advice to customers using the SCB advisory process for asset allocation, portfolio construction and portfolio review based on the full understanding of the customer's financial position, objectives, risk tolerance and other circumstances (but not including tax status).

The Investment Advisor also acts as a subject matter expert to customers/frontline staff on holistic view of the market, and support SCB wealth strategy in providing to higher value customers a higher level of customer service, and growing recurring income faster than the transaction-based income.

In addition, the Investment Advisor also provides:
(i) Sales Briefing - Provide assigned Telesales/branches with market updates and guidance on investment strategies (in line with the house views) as well as updates on changes to investment advisory processes. The Investment Advisor aims to ensure their assigned Telesales/branches are up to date at all times with market developments and changes to advisory processes
(ii) Telesales Coaching - Engage Telesales proactively in discussions about advisory process, product and idea generation by interacting closely with the Telesales, customers and product partners (Funds or CBMS teams). Conduct diagnostic activities with Telesales. The Investment Advisor aims to ensure licensed telesales are fully skilled to provide product and portfolio advice to their customers.
(iii) Product and Service Briefing – Explain product and service features and propose book building ideas to Telesales based on product characteristics and documents, the House View, accumulated feedback, market trends and news flow. Also provide market information such as new issue announcements and updates, new product presentation commentary to Telesales. The Investment Advisor aims to ensure licensed Telesales are fully up to date with all products.

Key Responsibilities/Challenges:

- Act as a professional investment advisor on Video Banking

- Grow AUM of customers through investment advisory services, by proposing customer-specific portfolio solutions that will drive net growth in customer portfolios.

- Provide investment consultation in the customers’ best interests using the SCB advisory process, rather than focussing on the sale of specific products.

- Help customer to achieve his or her objectives, in the context of the customer's current needs/circumstances, in compliance with all regulatory and bank requirements and with the highest professional standards.

- Maintain frequent and timely communication with customers either with the involvement of the RM or Telesales or (if agreed with the RM) individually to:
? actively and periodically review portfolios with customers
? assist customers to rebalance their portfolios to adapt to changes in valuations of asset classes, personal circumstances and the financial environment, and share tactical investment ideas with customers

- Provide expert advice to customers on
? asset allocation - ensuring that customer portfolios follows an advisory approach and asset allocation is maintained; balance between asset allocation and thematic plays and risk management
? retirement planning – considering distribution options, investment alternatives and coordination with other investments;
? estate planning – implementing strategies for wealth transfer

- Ensure that customer portfolios follow an advisory approach and asset allocation is maintained; this will mean maintaining a balance between asset allocation and thematic plays and risk management

- Align portfolios with house views, and continuously update oneself on market trends and SCB investment research

Briefings
- Based on materials issued by Group and Country Investment Advisory and Strategy teams, provide market briefings for Telesales/branches
- Based on materials issued by Group and Country Wealth Management teams, provide updates on investment advisory process changes to Telesales

Coaching of Assigned Telesales
- Through one-on-one sessions with Telesales, provide coaching to them on:
? Market developments: How to communicate market developments to customers and identify how customer portfolios should be realigned
? Advisory process: How to assess customer goals, needs, risk profiling, asset allocation using the SCB advisory process and Finantix system
? Feature/new product/solutions: How to describe new products and services to customers and fit into their portfolio Product and Service Briefing to Assigned Telesales
- Brief licensed Telesales in new product and service launches guided by the Product teams and Investment and Advisory Services (IAS) team.
- - Work with product teams to prepare new product launches to present to licensed Telesales including developing approaches for using new products within the SCB advisory process

Compliance and Control
- Aware of all policies and procedures issued in relation to advisory services, money laundering prevention and treating customers fairly.
- Ensure ongoing compliance with policies and procedures

Selection Criteria:

Fundamental
- Investment Advisor: Bachelors Degree with 4 - 8 years in Investment Consulting either within a bank (G6 or G7or equivalent), insurance company or independent financial advisory firm
- With Onshore Mutual Fund Certification

Functional

- Superior knowledge of investment products and financial markets
- Possess diverse investment and market experience in order to offer a concise and consolidated interpretation of market events so as to give the appropriate recommendation and guidance to customers

Personal
- Outstanding ability to provide leadership, guidance and inspiration to the customers, Telesales and other partners
- Strong sense of self motivation and discipline in execution
- Excellent communication and negotiation skills with the ability to influence outcomes
- Ability to network with internal and external business stakeholders.

Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time.

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