This position is responsible for providing individual financial advice and counseling to retail customers referred through the bank branches. The advisor will work to meet a set of sales goals mutually agreed upon by the Bank and Cetera. When working with customers, the advisor will typically handle less complex accounts and will incorporate both fee-based solutions and other financial products as appropriate. These products could include:  brokerage products, fixed and variable annuities, mutual funds and insurance products.  The advisor provides ongoing financial advice and counseling to existing customers, and refers customers to the Bank for bank related products and services as appropriate. 

Duties:

· Provides individual financial advice and counseling to retail customers referred through the bank branches, incorporating both fee-based solutions and also other alternatives as appropriate including brokerage products, fixed and variable annuities, mutual funds, and insurance products according to established policies and procedures and applicable legal and regulatory guidelines.

· Ensures that work, is in compliance with applicable laws, regulations and guidelines, including but not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies. 

· Generates customer referrals through assigned branch(s) and also through personal prospecting. Establishes strong business relationships with branch personnel involved in generating customer leads and prospects and ensures they have information and training necessary to refer business to the financial advisor. Advises branch staff on how to address customers’ needs regarding financial counseling, determine potential customer investable assets and other important details to ensure steady referral flow and high level of overall customer service in compliance with industry and regulatory standards. 

· Generate additional referrals for new business from satisfied clients as well as through developing network of outside referral sources. Researches markets, identifies individuals and organizations likely to produce referrals and develop relationships to establish a referral flow; ensure referral sources have current information on investment products and services. 

· Make sales calls by phone and in person, through own contacts or from branch generated leads according to established policies and procedures and applicable legal and regulatory guidelines; provides individual customer financial planning and counseling and sells non-deposit investment products, including mutual funds, variable/fixed annuities, individual stocks and bonds and life insurance and long-term care products.

· Generates referrals for client/customer investment sales opportunities and cross sells to other company business lines. Maintains network of outside referral sources; researches market, identifying individuals and organizations likely to produce referrals and develops relationships to increase the referral flow; ensures referral sources have current information on investment planning products and services.

Qualifications

· 4-year college degree or equivalent combination of education and experience.

· 1-2 years related experience preferred.

· Must possess and maintain applicable certifications and licenses including FINRA Series 7, 63, 65/66 and Health & Life Insurance License.

Essential Knowledge, Skills, Abilities

· Knowledge of retail investment industry preferred, including financial counseling, investment advice, and fee based, and investment product sales as well as related Financial Industry Regulatory Authority (FINRA) and Securities & Exchange Commission (SEC) regulations

· Sales ability and interpersonal skills

· Ability to clearly and effectively communicate investment and financial information 

· Possesses and demonstrates strong organizational skills

· Ability to effectively communicate to build strong and productive working relationships with clients and business partners, including ability to gain and maintain client trust.

· Self-directed, with ability to plan own activities to achieve sales goals. 

· Good time management skills. 

· PC skills and knowledge of financial software helpful.