Personal Relationship Banker

MBSB Bank Berhad; West Coast Division; On-site; MYR 60,000 - 80,000; Full time

Job summary

A dynamic financial institution in Malaysia seeks a Wealth Management Specialist to acquire new clients and develop investment solutions. The role involves conducting financial analyses, maintaining client relationships, achieving sales targets, and ensuring regulatory compliance. The ideal candidate will have a bachelor's degree in finance or a related field and a minimum of two years of experience in related roles. This position offers a chance to be part of a growing team in a vibrant environment.

Qualifications

• Minimum 2 years in relationship management, wealth management, or financial advisory.
• Bachelor’s degree in relevant field; certifications advantageous.

Responsibilities

• Acquire and onboard new clients for wealth management solutions.
• Provide investment solutions and conduct financial needs analysis.
• Maintain long-term relationships with clients to ensure loyalty.
• Achieve individual sales targets for wealth products.
• Ensure compliance with regulatory requirements in sales.

Skills

Wealth product knowledge

Sales and negotiation skills

Client relationship management

Financial planning abilities

Interpersonal and presentation skills

Regulatory compliance knowledge

Education

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

Professional certifications (e.g., UT, CFP, RFP, IPPC)

Job description

Key Responsibilities

• Client Acquisition & Business Development: Identify, acquire, and onboard new clients interested in investment and wealth management solutions.
• Leverage leads from branch walk-ins, referrals, and digital channels to build a strong client base.
• Actively collaborate with Wealth Specialists to provide investment solutions tailored to clients’ needs.
• Organize and participate in client events, seminars, and financial literacy programs to generate interest in wealth products.

Wealth Management

• Conduct financial needs analysis and risk profiling to recommend suitable wealth products.
• Provide expert guidance on portfolio management, including risk assessment, diversification, and asset performance monitoring.
• Ensure clients understand product benefits, risks, and market conditions to make informed investment decisions.
• Conduct periodic reviews of clients’ investment portfolios and suggest strategies for optimization.
• Develop strategies to deepen customer wallet share by identifying opportunities to optimize their financial portfolios and enhance returns.

Relationship Management & Client Retention

• Build and maintain long-term relationships with clients to ensure loyalty and continued investment growth.
• Act as the primary point of contact for clients, addressing inquiries, concerns, and service requests.
• Regularly update clients on market trends, portfolio performance, and new investment opportunities.
• Implement proactive client engagement strategies to enhance satisfaction and referral business.
• Identify opportunities for cross-selling other financial products, including (but not limited to) takaful, estate planning, and structured investments.

Sales Target Achievement & Performance Management

• Meet or exceed individual sales targets for wealth products and overall portfolio growth.
• Ensure high product penetration by cross-selling wealth solutions to new and existing clients.
• Monitor personal sales performance and take corrective action when necessary to achieve KPIs.

Compliance & Risk Management

• Ensure all sales and proposed wealth solutions services comply with regulatory requirements and internal policies.
• Conduct proper due diligence, KYC (Know Your Customer), and suitability assessments before recommending products.
• Maintain accurate records of client interactions and sales activities in accordance with bank policies.

Key Requirements

Education: Bachelor’s degree in Finance, Business, Banking, Economics, or a related field. Professional certifications such as UT, CFP, RFP, IPPC or investment-related licenses are an advantage.

Experience: Minimum Two [2] years in relationship management, wealth management, or financial advisory.

Skills & Competencies

• Strong knowledge of wealth products, including gold accounts, unit trusts, and Banca Takaful.
• Excellent sales, negotiation, and client relationship management skills.
• Ability to conduct financial planning and investment advisory services.
• Strong communication, interpersonal, and presentation skills.
• Proactive, results-driven, and customer-focused mindset.
• Knowledge of banking regulations and compliance in wealth management.

Key Performance Indicators (KPI)

• Number of new wealth clients acquired and total portfolio growth.
• Achievement of individual sales targets for wealth solutions.
• Customer retention and satisfaction levels.
• Quality of financial advisory services provided.
• Compliance with regulatory and internal policies.

You’ll collaborate closely with internal teams, regions, branches, and external stakeholders, including customers and service providers.

Interested candidates, drop your CV and apply now to be part of a dynamic and growing team.