Credit and Insurance Advisor Ostend region (Expert)

Achieve the predefined objectives of the assigned office(s) by offering and selling the banking and insurance products, solutions, and services of the Banking Partner(s). Manage and further develop the client portfolio. Intervene in more complex cases and support less experienced colleagues to help them achieve their assigned objectives. Act as person responsible for distribution for both credit intermediation and insurance distribution in order to comply with FSMA requirements. 1. Offering and selling banking and insurance products and services : Manage the office client portfolio (CRM, Bankstation, commercial image, etc.), contact clients and schedule appointments Execute and follow up on sales actions based on commercial campaigns (telephone follow-ups, lead follow-ups, etc.) Acquire new clients by analysing, discussing, and initiating leads from commercial staff / office managers Contribute to the action plan with the Bank Manager Retail based on the analysis of sales results and figures (individual and group results) Conduct sales interviews: Identify financial needs Promote, advise, and close sales of banking and insurance products in compliance with IDD, MiFID, FSMA, and compliance rules Detect opportunities for additional products and generate leads for/from the office manager Perform operations related to banking and insurance products and services and correctly use the available supporting tools 2. Achieving commercial objectives (in collaboration with the Bank Manager Retail) : Be responsible for achieving own sales targets and co-responsible for the targets of the region Analyse and report sales activities and results to the Bank Manager Retail Discuss sales activities and results and initiate corrective actions based on insights gained Participate in commercial meetings and banking trainings Report outcomes of client meetings to the commercial staff / office managers who provided the leads Organise meetings with office managers to exchange information and optimise portfolio management Contribute to gathering and sharing client, market, and competitor information Train office managers on specific products while gathering operational information Act as operational liaison officer between the retail network and the banking management structure 3. Development : Stay informed about new banking and insurance products of the Banking Partner(s) and related procedures Continuously develop personal skills Share best practices with colleagues Support and guide (new) colleagues Maintain good collaboration with office managers and commercial staff Provide feedback and solutions to optimise banking sales processes 4. Compliance with legal and internal regulations : Comply with all legal obligations, internal codes of conduct, procedures, and rules applicable to banking, insurance, and credit intermediation, with specific attention to: IDD and MiFID regulations in the advisory and sales of investment products (consumer protection) Anti-money laundering and anti-terrorist financing legislation Management of conflicts of interest Ensure: Supervision of (senior) credit and insurance advisors to comply with FSMA requirements regarding the distribution of banking products and services Compliance with current regulations on credit intermediation and insurance distribution Follow-up of operational risk controls and implementation of corrective measures if needed Coaching and advising colleagues (senior) credit and insurance advisors in credit intermediation and insurance distribution Acting as SPOC for assigned colleagues Ensuring proper cascade of relevant information to assigned colleagues Coaching other (senior) credit insurance advisors