Financial Advisor Associate chez Ephrata National Bank

Summary:

This position is responsible for relationship management of clients within ENB’s Wealth Advisory segment.   Individual’s serving this client segment must has a strong affinity toward leading coaching conversations within the context of the client’s financial plan.  Knowledge of investment products and financial planning are critical to success. This position must also maintain sufficient knowledge of all bank products and services in order to facilitate conversations across all product lines of the bank.  

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Understand and support the bank and Wealth Management duties in support of the Investment Representatives in a timely and accurate manner.
• Demonstrate foundational knowledge of the market and competitor bank products and services and communicate the advantages of Ephrata National Bank to prospects and potential clients.
• Demonstrate foundational knowledge of Investment products and services, pricing and internal requirements and communicate these effectively to prospects and potential clients.
• In partnership with a Financial Advisor meets with clients to gather, discuss, and understand personal financial information such as current income, expenses, insurance coverage, tax status, financial goals, risk tolerance, and other information necessary for financial planning.
• Assesses clients’ financial objectives, assets, liabilities, cash flow, insurance coverage, and tax status.
• Based on analysis of clients’ financial data, develop strategies and plans to help clients meet financial goals.
• In partnership with a Financial Advisor sell the Bank’s approved non-deposit investment products and services to business and consumer customers while adhering to the Bank’s policies and procedures.
• Monitors plan performance for clients. In partnership with a Financial Advisor realign and redistribute funds to maintain objectives. 
• In partnership with a Financial Advisor recommend new product and product enhancement ideas based on client feedback, competitive situations and opportunities.
• Partner with a Financial Advisor and the Wealth Management Manager to cross refer clients based on financial needs.  
• Responsible for supporting strategies and collaborating with team members to promote the growth of the Wealth Management department.
• Establish effective working relationships with other divisions of the bank, clients, and community and demonstrate collaborative team spirit to ensure success of business relationships.
• Participate in and support execution of all marketing programs and campaigns.
• Maintain a working understanding of, and comply with investment policies, procedures and applicable regulations.
• Maintain knowledge of BSA notice, and statement and public disclosure file locations, and the name of the BSA/AML Officer.
• Demonstrate good judgment and decision making in all responsibilities.
• Participate in outside service organizations to promote the community and advance the Bank’s image
• Maintains professional level knowledge of legal requirements and state and federal regulations, and attend educational classes as management requires.
• Other duties as designated by management.

 Required Education and Experience:

• Bachelor’s degree from an accredited college and 0 – 2 years of relevant experience or equivalent experience: four years of related work experience within the financial services or investment services industry.
• Acquire Series 7, Series 63 and the PA State Life & Health Insurance licenses within 9 months of hire. 
• Effective facilitation and presentations skills to communicate clearly before members of the leadership team, employees, and client groups.
• Proven ability to sell financial services to a variety of clients.
• Ability to balance multiple tasks simultaneously.

Competencies:

• ENB Functional and Operational Competencies.

Supervisory Requirements:

This position has no supervisory responsibilities.

Work Environment:

This job operates in a professional work environment.   This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees.  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.

Travel:

This position may require travel.

EEO Statement:

Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.  

This job description reflects management’s assignment of essential functions and position responsibilities. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in the adherence to bank polices.