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Personal Banker: work in the banking center (branch) and responsible for offering and selling financial products and services to both individual and small business customers/clients. As a Personal banker, my position was the financial liaison to customers/clients for building, deepening, and retaining long-term relationships while providing world class customer service. Duties included, but not limited to the following:Routinely working with consumer customers and small business clients to build and deepen relationships by uncovering financial needs and recommending and selling the best products, services and solutions to meet those needs.Quoting rates, terms and programs for loan customer requests.Responding to customer inquiries and concerns and creating customized solutionsRecognizing and referring cross-sell opportunities.Monitoring and tracking daily/weekly sales activitiesObtaining referrals from customersMeeting and exceeding consumer and small business client goals with the utmost of accuracy and highest ethical standardsOpening deposit accounts and selling financial products (e.g. credit cards, CDs, IRAs, loans)Identifying opportunities to introduce customers to specialists and business partnersBuilding solid relationships with teammates, business partners and specialists by fostering teamwork, partnership and collaborationEnsuring the customer’s needs are met by partnering with specialists and business partners to understand what they offer to customers and the most effective way to generate business referrals (e.g. customer’s banking, small business, mortgage and investment needs)Executing sales and service tactics, activities and processes, as appropriateLeveraging available resources and technologies to optimize the customer experience and serve our customers with operational excellence and accuracyProactively managing risk in every business, product, and service transaction leveraging available tools

The Practice Management Development (PMD) Associate role is a development program for professionals who wish to build a wealth management business and become a full-fledged Merrill Lynch Financial Advisor (FA). PMD is a structured and disciplined program. The program offered one of the elite professional and client focused sales, investment, and business management training programs in the industry. The focus was on developing client relationships. With the assistance of mentors and managers, I developed a pipeline of affluent clients, identify client needs, develop relationships with existing and prospective clients, review investment goals, prepare investment recommendations that align with client goals, and the business management skills needed to operate an optimal practice model.As a Practice Management Development Associate engages in:Developing a book of business in order to meet and exceed the required performance hurdlesEffectively sourcing prospective clients, capitalizing on referrals, assessing customer needs, through collaboration, delivering the full resources of Bank of America and Merrill Lynch to the client, and delivering highly customized solutions to meet client needsRecommending investment products and services that are suitable for prospects and clients based on their objectives, resources, time horizon, risk profile and preferencesBalancing investment management, sales activities, customer service, new client development, administrative, compliance and personal growth and development according to both a day-to-day and longer-term planPlanning and managing resources (time, people, budget) to run an optimal practiceSeeking the expertise of specialists, where appropriate, to identify, banking, lending, planning and investment solutions for a clientEstablishing and maintaining relationship with the management team and informing them of any circumstances that require supervisory attention/review/approval per compliance.

New Start Up Business in Insurance & Financial Advice for Small Business owners and Professionals.