Td Bank Financial Advisor Trainee - Burlington VT United States, Vermont, Burlington 628939483
Job Description:
The Financial Advisor Trainee (FA Trainee) role is intended to be a transitional role where in addition to the below responsibilities, it is expected you learn the requisite set of skills to qualify for the role of Financial Advisor Associate (FAA) in the expected time frame.
Once the Trainee program is complete you will be transitioned into an FAA role and will need to be able to attract and retain clients by addressing their wealth management advisory needs. You will meet with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, analyze and understand their short and long term financial goals, educate and advise prospects and clients regarding investment and insurance strategies and products, and recommendpersonalized/tailoredinvestment and insurance strategies and products to meet their financial and wealth creation objectives.
You must possess broad knowledge, and the demonstrated ability to inform, educate and advise clients, with respect to financial analysis, financial markets, financial goals, investment and insurance strategies and products, and wealth management. You must also possess strong interpersonal skills in order to develop a thorough understanding of each client's individual circumstances and a lasting role as the client’s advisor. As an FA you will be a fiduciary and will put the client's financial interests first when providing ongoing objective financial advice, long-term retirement planning, and annual reviews to determine if there have been changes in the client’s financial status or goals or the need for different strategies or products. Once transitioned to an FA role you will be responsible for all aspects of developing and maintaining client relationships by providing on-going consultation, advice, planning and day to day account servicing.
As an FAA, you will need to rely on relationship building skills and the ability to influence in order to develop their client base and meet their assigned goals. Once assigned a territory, you will educate and coach Retail Store staff to identify referral prospects. You will need to be able to identify enterprise opportunities and engage key partners across the organization asappropriate/necessary.
Depth & Scope:
- Obtains the requisite set of skills to qualify for the role of Financial Advisor Associate within a specified time frame
- Actively calls and meets with TD Bank customers and prospects with the goal to deepen customer relationships, assist with customer service issues, and identify customer financial needs
- Utilizes a financial needs assessment tool to identify annuity and insurance sales opportunities as well as referral opportunities to TD Wealth businesses and affiliates
- Meets the insurance agency requirements, policies and procedures to effectuate annuity and insurance sales, including for qualified accounts in accordance and compliance with all of TD Wealth's policies and procedures
- Recommends and provides direct sales and fulfillment of insurance and annuity solutions, where suitable
- Able to provide TD Bank employees information and education on wealth products & service offerings, including training on annuities and insurance products
- Able to provide sales training on annuity and insurance offerings for TD Bank licensed insurance agents
- Maintains on-going relationships with insurance and annuity clients and refers to TD Wealth businesses and affiliates based on customer wants and needs
- Responsible for all aspects of insurance and annuity business in their region, including sales and renewal process, application intake, delivery, and other servicing needs
- Maintains close relationship with Insurance Companies to achieve excellent customer service
- Develops detailed understanding of products and services offered within TD Wealth businesses and affiliates in order to make appropriate referrals for each customer
- Maintains expert knowledge of the annuity and insurance products, local market, competitive offers, economic and regulatory trends
- Responsible for accurate and complete reporting, as required by management
- Meets regularly with Retail Bank employees to educate on annuity and insurance products and offerings from TD Wealth businesses and affiliates
Education & Experience:
- Bachelor's Degree strongly preferred
- 1+ years of relevant work experience or college degree
- SIE required
- Ability to obtain Life & Health, Series 7 and Series 66 (or equivalent) within Licensing & Registration Schedule
- Self-directed, with strong ability to plan own activities to achieve sales and referral goals
- General understanding of wealth products and services
- Strong verbal and written communication skills
- Strong organizational and time management skills
- Ability to travel to our FA training class upon obtaining all required licenses and registration
- Ability to commute to assigned office for in-person training & studying five days a week
Customer Accountabilities:
- Understands and supports the Bank's Customer Service Strategy
- Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
- Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
- Models quality service delivery at every interaction
- Leads and contributes to the ongoing improvement of the partner / Customer experience
Employee/Team Accountabilities:
- Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and create an extraordinary employee experience
- Participates fully as a member of the team and contribute to a positive work environment
- May provide leadership, training, and guidance to other team members
- Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest
- Actively shares information and knowledge, and proactively learn from the expertise of other
Our Total Rewards Package
awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
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