Financial Account Manager Job Description

Nowadays, job responsibilities play an increasingly important role. Job responsibilities are specific job descriptions, which can be divided into different job types. You have no idea when you draw up your job responsibilities? The following is the job description of the wealth management account manager I carefully arranged for reference only. Let's have a look.

Job description of wealth management account manager 1 overview: the role of the manager of wealth management business department is the direct leader, organizer and manager of business management; It is the key to the implementation of the core competitiveness project. The sales manager is mainly responsible for the business management, marketing management and quality customer relationship management of the sales department.

Rule number one. The sales manager is responsible for the overall planning of various businesses and arranging daily operation management, resource management and market development.

Article 2. The first responsible person system is implemented for the core competitiveness projects of the Division: actively carry out the management of the Division, monitor the implementation of high-quality customer service processes, solidify the project experience, and form a daily management system in line with the business development of the Division.

Article 3. Fulfill marketing management responsibilities and achieve business targets: achieve the targets issued by the company, organize marketing activities according to its own business characteristics, monitor the implementation effect, adjust in time, and strive to achieve or exceed the task targets. Effectively adjust the business structure and customer structure to achieve balanced development and maximize benefits.

Article 4. Management of human resources: according to the post setting of business departments, rationally allocate human resources, do a good job in team building of personnel in each post, and be responsible for training, assessment and encouragement of each post.

Article 5: Control service quality: master the development and relationship maintenance of quality customers in our division as a whole, regularly investigate and analyze the needs of customers, especially quality customers, ensure service quality, maintain quality customer relationships and enhance customer satisfaction. Responsible for regularly organizing customer marketing promotion activities based on the sales department.

Article 6. Formulate and organize the business plan and development plan of the Division: formulate the short-term, short-term and long-term business plan and marketing strategy of the Division according to the development plan, regularly count the completion of the business plan of the Division, improve and adjust the business plan in time, and complete the business plan. And combined with the business environment of this business department, formulate development plans and highlight the advantages and characteristics of this business department. Effectively adjust the business structure and customer structure of the sales department to achieve balanced and rapid development.

Seventh, performance management: at the end of each business day, grasp the business development of the business day; Clarify the performance evaluation and assessment methods of employees in each post of the Division, and count, verify and confirm various assessment indicators; Explore the advantages of each employee, arrange jobs reasonably, and adopt humanized management to help employees enhance their personal values and enhance their satisfaction with the company.

Eighth, do a good job in team building: hold regular meetings of marketing staff and all employees to introduce the business department, convey the company's instructions and deploy related work, understand the problems existing in operation, analyze marketing cases, sum up experience and promote, coordinate and strengthen the cooperation of all positions in the business department, optimize customer service processes and improve work efficiency; Actively maintain the image of the business department and do a good job in the image of the business department. According to the information released by the company, especially financial information and marketing guidance, organize employees to learn and train, so that employees can be familiar with and master new information.

Article 9. Marketing management: lead the marketing team with the account manager as the core, manage, train, supervise, assign tasks, assess and motivate the marketing team; Manage the tasks of business departments by objectives, reach each team and individual, set reasonable goals for employees, supervise and guide their implementation, and use assessment leverage to promote the completion of goals; According to the characteristics of target customers and products, make marketing plans, carry out marketing activities, and analyze and summarize the activities to improve the professionalism and success rate of marketing.

Tenth, regular meeting management: the manager of the business department must organize a regular meeting for all employees once a week.

A regular meeting of team managers must be organized every day.

Eleventh, do a good job in echelon construction and train successors at all levels.

Supplementary terms:

Article 12 The right to interpret this system belongs to the general manager.

Article 13 This system shall be implemented as of the date of issuance by the Chairman.

Financial Account Manager 2 Job Description 1, responsible for the promotion of the company's products.

2. Responsible for customer information feedback and management.

3. Responsible for the development and maintenance of corresponding customers.

4. Be responsible for the market research of related businesses.

5. Responsible for customer service.

6. Actively participate in various trainings organized by the company, and strive to improve their comprehensive quality and exhibition ability.

7. Keep the company's business secrets.

8, complete other work assigned by the leadership.

Job description of wealth management account manager 3 In order to further strengthen the management of personal wealth management business, continuously improve the sales service quality of wealth management products of the Bank, and effectively prevent the illegal sales behavior of wealth management business employees, according to the latest regulatory requirements of the regulatory authorities, the wealth management business employees of the Bank must strictly serve customers and sell wealth management products in accordance with the Work Flow of Wealth Management Account Manager of China Merchants Bank (No.263 [2007] of China Merchants Bank). The relevant matters to further standardize the workflow of wealth management account managers are hereby notified as follows:

First, strictly follow the basic principles of financial services.

(a) to produce documents

Employees engaged in personal financial services in China Merchants Bank must obtain the Personal Financial Services Qualification Certificate of China Merchants Bank in accordance with the Measures for the Administration of Personal Financial Services Qualification of China Merchants Bank before they can provide financial analysis and financial planning for individual customers, issue investment suggestions and sell financial products or investment products.

Personnel who have not obtained the qualification of personal wealth management business of China Merchants Bank can only distribute product publicity materials and transmit product information to customers, and introduce customers who intend to handle wealth management business to personal wealth management business practitioners, and may not directly engage in the sales of any wealth management products.

(2) Compliance sales

Personal wealth management practitioners must pay special attention not to mislead customers, buy wealth management products on behalf of customers or on behalf of customers in the process of selling wealth management products, which are specifically manifested as follows:

1. does not make investment decisions on behalf of customers;

2. Do not copy any statement that should be copied by the customer personally on behalf of the customer, and do not fill in any documents involved in the sales process of wealth management products on behalf of the customer;

3. Do not hint to customers or even make promises beyond the terms;

4. Do not accept the entrustment of customers, handle subscription procedures on their behalf, or keep bank cards, accounts and passwords on their behalf;

5. Do not conceal the information listed on the product materials or make false statements.

If the above-mentioned behaviors of financial managers cause serious consequences such as customer losses, they shall bear their own responsibilities and investigate the relevant leadership responsibilities of the bank (department).

(3) Keeping secrets for customers

Banks are responsible for keeping customer information, keeping customer secrets and respecting customer privacy. Personal finance practitioners can master the comprehensive personal information of the customers they serve because of their work needs; The retail business directors, marketing managers and assistant account managers of branches and sub-branches can only grasp some relevant customer information if they cooperate with personal financial practitioners to serve customers. Among them, business executives and marketing managers are limited to browsing the customer management reports of their institutions, and assistant account managers are limited to browsing the low-risk and low-density information of customers under the names of personal finance practitioners they assist.

It is strictly forbidden to disclose customer information to others, including other wealth management personnel, other customers and their families. At the same time, customer information must be properly kept in accordance with the quality management requirements of our bank. It is strictly forbidden to leave it anywhere, and it is not allowed to copy customer information without authorization or take it out of the bank in any way.

For those who disclose customer information, the relevant personnel shall be investigated for responsibility according to law.

Protect vulnerable groups

In the process of selling wealth management products, we should pay special attention to protecting the interests of vulnerable groups such as elderly investors and minors and help them strictly control financial risks.

1.65 years old or older investors must abide by the following provisions when purchasing wealth management products:

(1) Older investors can only buy wealth management products that match their risk tolerance assessment results;

(2) According to the product risk rating of the Bank, it is forbidden to sell products with a risk rating of R4 or above to elderly investors regardless of the customer risk assessment results;

(3) If an elderly investor aged 65 or above decides to buy a product with a risk level of R3 and has passed the risk tolerance test of the corresponding level, in addition to the normal risk early warning workflow, the person in charge above the retail banking department of the branch shall also be invited to witness the sales process of personal wealth management practitioners, make a second risk early warning with the customer and confirm the customer's purchase intention. The witness supervisor shall sign the application form for entrusted wealth management product transaction for confirmation.

2./kloc-Minor investors under 0/8 years of age shall abide by the following provisions when purchasing wealth management products:

(1) Minor investors can only complete a series of product subscription procedures including risk tolerance assessment at bank outlets accompanied by legal guardians. Financial practitioners must confirm their guardian status by verifying the household registration book or other legal documents, and copy relevant materials;

(2) Minor investors must complete the risk tolerance assessment under the guidance of their legal guardians. Minors themselves and their opinions, and record the new evaluation results in customer files. Personal financial practitioners are strictly prohibited from inducing customers to repeat evaluations in order to promote products.

Customers who fail the risk tolerance test are not allowed to buy any wealth management products or investment products. Personal financial practitioners should objectively and professionally guide customers to fill out the Assessment Form of Personal Investment Risk Tolerance to help customers understand their investment objectives and risk tolerance.

3. Complete the record and filing management of customer data. After each interview, the financial manager should record the important items of the interview in the customer database, including: the customer's financial situation, investment objectives, types of products to be purchased, reasons why the customer did not buy, customers' unsatisfied needs, customers' family situation, etc.

4. Analyze the customer's portfolio. Personal finance practitioners should fully understand the current asset status and investment structure of customers, analyze the customer's portfolio according to the customer's risk preference records, and put forward suggestions for improving the portfolio and specific product solutions according to the latest product performance in the customer's portfolio.

5. Personal financial practitioners can only recommend customers to buy financial products with product risk level suitable for customers' personal risk tolerance.

When a customer voluntarily requests to buy a product with a risk level higher than his own risk tolerance level, the financial manager should first reiterate the investment risk of the product to the customer, clearly explain to the customer that the risk level of the product exceeds his risk tolerance level, and suggest the customer to buy other products to meet his investment demand. If the customer still insists on buying the product, he must make a special statement in the subscription application and sign it for confirmation. At the same time, the heads of retail departments above branches are invited to witness the customer sales process and sign the transaction application form. However, customers are elderly customers over 65 years old or underage customers under 18 years old.

After knowing the customer's assets, we must pay special attention to the fact that short-term funds cannot be used for long-term investment, and funds with specific purposes or sources, such as pensions, retirement funds, education funds, etc., cannot be used for investment in high-risk products. We should recommend capital preservation products and portfolios to them.

The second step is to introduce the product.

When selling products, personal financial practitioners should provide investment products with matching risk levels according to the customer's investment portfolio structure, customer's investment demand and risk tolerance rating, and customers can choose independently.

For the wealth management products that customers intend to buy, the wealth management personnel should fully explain all product elements such as product functions, benefits, product terms and risk characteristics to customers.

The written information of products provided by wealth management personnel to customers must be provided by the retail banking department of China Merchants Bank Head Office or its branch.