ChoiceOne Bank
Financial Advisor
Exempt – Grade Level 8
Equal Employment Opportunity
Corporate Values & Mission: “Provide superior service, quality advice, and show utmost respect to everyone we meet.”
General Summary: The function of the Financial Advisor is to provide world‑class customer service by handling transactions accurately and efficiently, being a team player and methodical business builder, and serving the unique needs of individuals and families.
He/she must have exceptional understanding and investment expertise in the full range of wealth management and related products, services, and processes. He/she must be able to operate in an autonomous and entrepreneurial work environment.
Reports to: Financial Advisor Team Lead
Essential Duties & Responsibilities
Partner closely with Retail Bank Branch Managers and staff and with other business units, department managers and staff by providing education about the benefits of the investment program to ensure multiple quality referrals.
Assist existing clients in the areas of investment management, retirement planning, risk management, income strategies and financial planning. Provide advice to help clients achieve their financial goals and objectives. Review clients’ accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment.
Perform and follow the bank’s policies, procedures, and service standards.
Meet established sales/revenue goals. Collaborate with commercial lending and retail bank officers, professional contacts (ie., attorney and CPAs) to generate additional relationships.
Build and maintain client base, keep current client plans up‑to‑date and recruit new clients on an ongoing basis to expand AUM.
Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan.
Analyze financial information obtained from clients to determine strategies for meeting clients’ financial objectives.
Prepare and interpret clients’ information such as investment performance reports, financial document summaries, insurance reviews, retirement projections, and cash flow projections.
Recommend suitable investments, insurance and banking services that are congruent with the financial strategies created.
New business development and marketing – develop leads and referrals from current clients, outside contacts and internal team members.
Participate in sales meetings with prospective and existing clients.
Client service duties – extensive communication with clients and their advisors regarding investment performance, economic and market trends.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and report any observed violations or potential violations to a supervisor or other appropriate bank officer.
Be familiar with, and comply with, all federal and state banking regulations as applicable.
Actively participate in education opportunities in the areas of sales, marketing, economics, financial strategy, insurance, investments, banking, and personal development as required by FINRA, Our Broker, and Insurance Regulations.
Additional responsibilities as assigned.
Qualifications To perform this job successfully, an individual must be able to perform each of the above essential duties satisfactorily and exhibit the values of the company. In addition, the following requirements are representative of the knowledge, skill and/or ability required.
Experience and/or Education Bachelor’s Degree and/or five or more years of industry experience.
Series 7
Series 65 or 66
Life/Accident & Health Insurance License
Core Competencies
Oral Communication – speak clearly and persuasively, listen, respond, and present.
Technical Skills – assess strengths, pursue training, share expertise.
Quality – demonstrate accuracy and thoroughness; monitor work to ensure quality.
Quantity – meet productivity standards and complete work timely.
Adaptability – adapt to changes, manage competing demands.
Attendance/Punctuality – follow schedule consistently; limit absenteeism.
Flexibility – provide flexibility and adapt to changing schedules.
Dependability – follow instructions, respond to management, keep commitments.
Initiative – undertake self‑development, take independent actions, seek opportunities.
Physical Demands & Work Environment Ability to work in an office environment with many hours of computer and telephone usage; position may require many hours of outside or non‑office activities. This position is remote‑eligible on a hybrid basis. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
This position description is not exhaustive; employees may be required to perform other job‑related instructions as requested by their supervisor, subject to reasonable accommodations.
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Equal Employment Opportunity
Corporate Values & Mission: “Provide superior service, quality advice, and show utmost respect to everyone we meet.”
General Summary: The function of the Financial Advisor is to provide world‑class customer service by handling transactions accurately and efficiently, being a team player and methodical business builder, and serving the unique needs of individuals and families.
He/she must have exceptional understanding and investment expertise in the full range of wealth management and related products, services, and processes. He/she must be able to operate in an autonomous and entrepreneurial work environment.
Reports to: Financial Advisor Team Lead
Essential Duties & Responsibilities
Partner closely with Retail Bank Branch Managers and staff and with other business units, department managers and staff by providing education about the benefits of the investment program to ensure multiple quality referrals.
Assist existing clients in the areas of investment management, retirement planning, risk management, income strategies and financial planning. Provide advice to help clients achieve their financial goals and objectives. Review clients’ accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment.
Perform and follow the bank’s policies, procedures, and service standards.
Meet established sales/revenue goals. Collaborate with commercial lending and retail bank officers, professional contacts (ie., attorney and CPAs) to generate additional relationships.
Build and maintain client base, keep current client plans up‑to‑date and recruit new clients on an ongoing basis to expand AUM.
Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan.
Analyze financial information obtained from clients to determine strategies for meeting clients’ financial objectives.
Prepare and interpret clients’ information such as investment performance reports, financial document summaries, insurance reviews, retirement projections, and cash flow projections.
Recommend suitable investments, insurance and banking services that are congruent with the financial strategies created.
New business development and marketing – develop leads and referrals from current clients, outside contacts and internal team members.
Participate in sales meetings with prospective and existing clients.
Client service duties – extensive communication with clients and their advisors regarding investment performance, economic and market trends.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and report any observed violations or potential violations to a supervisor or other appropriate bank officer.
Be familiar with, and comply with, all federal and state banking regulations as applicable.
Actively participate in education opportunities in the areas of sales, marketing, economics, financial strategy, insurance, investments, banking, and personal development as required by FINRA, Our Broker, and Insurance Regulations.
Additional responsibilities as assigned.
Qualifications To perform this job successfully, an individual must be able to perform each of the above essential duties satisfactorily and exhibit the values of the company. In addition, the following requirements are representative of the knowledge, skill and/or ability required.
Experience and/or Education Bachelor’s Degree and/or five or more years of industry experience.
Series 7
Series 65 or 66
Life/Accident & Health Insurance License
Core Competencies
Oral Communication – speak clearly and persuasively, listen, respond, and present.
Technical Skills – assess strengths, pursue training, share expertise.
Quality – demonstrate accuracy and thoroughness; monitor work to ensure quality.
Quantity – meet productivity standards and complete work timely.
Adaptability – adapt to changes, manage competing demands.
Attendance/Punctuality – follow schedule consistently; limit absenteeism.
Flexibility – provide flexibility and adapt to changing schedules.
Dependability – follow instructions, respond to management, keep commitments.
Initiative – undertake self‑development, take independent actions, seek opportunities.
Physical Demands & Work Environment Ability to work in an office environment with many hours of computer and telephone usage; position may require many hours of outside or non‑office activities. This position is remote‑eligible on a hybrid basis. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
This position description is not exhaustive; employees may be required to perform other job‑related instructions as requested by their supervisor, subject to reasonable accommodations.
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