Personal Banker

RHB Banking Group; Seberang Perai; On-site; MYR 42,000 - 68,000; Full time

Job summary

RHB Bank Berhad is seeking a Personal Financial Consultant to build and nurture client relationships, delivering expert financial advice and tailored banking and investment solutions to help individuals reach their financial goals.

You will assess client needs, present personalized plans, and stay informed on market trends to provide timely advice while meeting regulatory and internal standards. Fluency in English and Bahasa Malaysia is required.

Qualifications

• Bachelor's degree or equivalent in finance, banking, business, economics, or related field.
• 2–3 years in financial services, client-facing preferred.
• Certifications (e.g., FIMM, PCE, CUTE) advantageous.

Responsibilities

• Proactively identify and engage with potential and existing clients to understand their financial needs and objectives.
• Conduct financial needs analysis including risk tolerance, investment horizons, and aspirations.
• Develop personalized financial plans covering savings, investments, insurance, retirement, and wealth management.
• Advise clients on deposits, loans, unit trusts, insurance products, and other investment instruments.
• Achieve individual and team sales targets and KPIs for product penetration and client acquisition.
• Regularly review and update client portfolios to align with evolving financial situations and market conditions.
• Maintain accurate client records and comply with regulatory requirements and internal policies.
• Stay informed about market trends, conditions, and new product offerings to provide timely advice.
• Collaborate with other departments to ensure seamless client experience and cross-selling opportunities.
• Participate in ongoing training to enhance product knowledge and advisory skills.

Skills

Client relationship management

Financial advisory

Sales & targets

Communication skills

Bahasa Malaysia fluency

Education

Bachelor's degree in Finance, Banking, Business Administration, Economics, or related field

Tools

MS Office

CRM software

Investment platforms

Job description

Job Summary The Personal Financial Consultant at RHB Bank Berhad is responsible for building and nurturing client relationships, providing expert financial advice, and offering tailored banking and investment solutions to help individuals achieve their financial goals.

Personal Financial Consultant

Company:** RHB Bank Berhad

Job Summary

The Personal Financial Consultant at RHB Bank Berhad is responsible for building and nurturing client relationships, providing expert financial advice, and offering tailored banking and investment solutions to help individuals achieve their financial goals.

Job Responsibilities

• Proactively identify and engage with potential and existing clients to understand their financial needs and objectives.
• Conduct comprehensive financial needs analysis, including assessing risk tolerance, investment horizons, and financial aspirations.
• Develop and present personalized financial plans and recommendations covering areas such as savings, investments, insurance, retirement planning, and wealth management.
• Advise clients on a range of RHB Bank's products and services, including deposits, loans, unit trusts, insurance products, and other investment instruments.
• Achieve individual and team sales targets and key performance indicators (KPIs) for product penetration and client acquisition.
• Regularly review and update client portfolios to ensure alignment with their evolving financial situation and market conditions.
• Maintain accurate and up-to-date client records and comply with all regulatory requirements and internal policies.
• Stay informed about market trends, economic conditions, and new product offerings to provide relevant and timely advice.
• Collaborate with other departments within RHB Bank to ensure a seamless client experience and cross-selling opportunities.
• Participate in ongoing training and development programs to enhance product knowledge and advisory skills.

Job Qualifications

• Bachelor's degree in Finance, Banking, Business Administration, Economics, or a related field.
• Minimum of 2-3 years of experience in financial services, preferably in a client-facing role such as financial advisory, wealth management, or retail banking.
• Possession of relevant industry certifications (e.g., FIMM, PCE, CUTE) is highly advantageous.
• Strong understanding of financial products, investment principles, and wealth management strategies.
• Excellent communication, interpersonal, and presentation skills with the ability to build rapport and trust with clients.
• Demonstrated sales acumen with a proven track record of achieving targets.
• Ability to work independently and as part of a team in a fast-paced environment.
• Strong analytical and problem-solving skills.
• High level of integrity and commitment to ethical conduct.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
• Fluency in English and Bahasa Malaysia is required; proficiency in other local languages is an added advantage.