Finance Associate

J.S.W; Singapore; On-site; SGD 60,000 - 120,000; Full time

Job summary

J.S.W in Singapore seeks a results-driven financial advisor to proactively acquire high-net-worth clients, onboard them, and manage enduring relationships. You will serve as the primary contact for all financial matters, delivering clear guidance on market trends and portfolio performance.

You will conduct fact-finding to understand retirement, education funding, estate planning, and tax efficiency, assess cash flows and insurance coverage, and present integrated plans that combine investments

Qualifications

• Proactively prospect and onboard high-net-worth clients.
• Analyze financial objectives and identify gaps.
• Develop plans integrating investments and insurance protections.
• Communicate market trends and portfolio performance clearly.

Responsibilities

• Proactively acquire, onboard, and manage a portfolio of affluent clients.
• Conduct regular client reviews to assess financial situations and risk.
• Recommend investment and insurance solutions aligned with goals.
• Meet or exceed sales targets and collaborate with internal teams.
• Ensure onboarding and documentation comply with regulatory guidelines.

Skills

Client acquisition

Relationship management

Financial planning

Sales targets

Job description

Key Responsibilities:

Client Acquisition & Relationship Management

• Proactively prospect, acquire, and onboard new high-net-worth clients through networking, referrals, and community engagement.

• Build and maintain long-term, trust-based relationships with a portfolio of affluent clients, acting as their dedicated point of contact for all financial matters.

• Conduct regular, in-depth client review meetings to assess changing financial situations, life events, and risk appetites.

• Deliver exceptional client service by anticipating needs and providing timely, clear communication on market trends and portfolio performance.

Needs Analysis & Financial Planning

• Conduct comprehensive fact-finding sessions to understand clients’ short- and long-term financial objectives (e.g., retirement planning, education funding, estate planning, and tax efficiency).

• Analyze clients’ current financial positions, cash flow, and existing insurance coverage to identify gaps and opportunities.

• Develop and present customized financial plans that strategically integrate bothinvestment portfoliosandinsurance protection(e.g., life, health, disability, and annuity products) to create a balanced, risk-managed strategy.

Investment & Insurance Advisory

• Recommend suitable investment vehicles (mutual funds, ETFs, bonds, structured products, and equities) based on client risk profiles and market conditions.

• Advise on appropriate insurance solutions to protect clients’ wealth and income against unforeseen circumstances.

• Stay current on macroeconomic trends, regulatory changes, and new product offerings to provide cutting-edge advice.

• Clearly explain complex financial products, fees, risks, and contractual terms to clients in an easy-to-understand manner.

Sales & Business Development

• Meet or exceed individual sales targets for both investment assets under management (AUM) and insurance premiums.

• Collaborate with internal product specialists, portfolio managers, and legal/compliance teams to structure tailored solutions for complex client needs.

• Participate in marketing events, seminars, and roadshows to generate leads and enhance the firm's brand presence.

Compliance & Documentation

• Ensure all client onboarding, suitability assessments, and transactions strictly adhere to regulatory requirements (e.g., MAS, SEC, or local financial authority guidelines).

• Maintain accurate and thorough client records, including Know-Your-Client (KYC), risk profiling, and suitability reports.

• Complete all post-sale service requests accurately, including policy changes, fund switches, and withdrawal applications.