FHNF FINANCIAL SALES ASSOCIATE - DEPOSITORY INSTITUTIONS

United States·Houstonmid

RetailRetail Sales Associate

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Quick Summary

Key Responsibilities

Client Relationship Management: Develop and maintain relationships with banks, credit unions, and other depository institutions.

Requirements Summary

Bank balance sheets Fixed income securities Liquidity management concepts Interest rate risk and asset/liability management Strong interpersonal, communication, and presentation skills.

Technical Tools

RetailRetail Sales Associate

Responsibilities

~2 min read

Client Relationship Management:

→Develop and maintain relationships with banks, credit unions, and other depository institutions.
→Serve as a trusted point of contact for institutional clients regarding balance sheet and liquidity needs.
→Conduct regular outreach to identify opportunities related to investments, funding, and loan strategies.
→Assist senior sales professionals with client retention and business development initiatives.

Investment & Portfolio Solutions:

→Present fixed income investment opportunities tailored to clients’ risk profiles, liquidity positions, and earnings goals.
→Support the sale and servicing of products such as:

→U.S. Treasuries
→Agency securities
→Mortgage-backed securities
→Municipal bonds
→CDs and short-term investments

→Monitor market conditions and communicate relevant trends, rates, and portfolio strategies to clients.

Loan & Liquidity Management

→Help institutions evaluate loan participation and loan purchase opportunities.
→Assist clients in managing on- and off-balance-sheet liquidity strategies.
→Coordinate funding solutions and liquidity products to support asset/liability management objectives.
→Collaborate with internal trading, analytics, and operations teams to execute transactions efficiently.

Market & Financial Analysis

→Analyze balance sheet composition, liquidity ratios, and investment portfolios to identify opportunities.
→Prepare client presentations, portfolio reviews, and market commentary.
→Track interest rate movements, economic indicators, and regulatory developments affecting depository institutions.
→Maintain CRM records, pipeline activity, and sales reporting.

Compliance & Operational Support

→Ensure all activities comply with applicable banking and securities regulations and internal policies.
→Support transaction documentation, onboarding, and operational follow-through.
→Maintain knowledge of institutional fixed income products and regulatory requirements.

Qualifications

→Bachelor’s degree in finance, Economics, Business, Accounting, or related field.
→1–3 years of experience in financial services, institutional sales, banking, treasury management, or fixed income preferred.
→Understanding of:

→Bank balance sheets
→Fixed income securities
→Liquidity management concepts
→Interest rate risk and asset/liability management

→Strong interpersonal, communication, and presentation skills.
→Proficiency in Microsoft Excel, PowerPoint, and CRM platforms.
→FINRA licenses (Series 7 and 63/65 or willingness to obtain) may be preferred depending on role structure.

Preferred Skills

→Knowledge of institutional investment products and capital markets.
→Ability to interpret financial statements and regulatory reports.
→Strong analytical and quantitative abilities.
→Self-starter with a consultative sales mindset.
→Ability to manage multiple client relationships in a fast-paced environment

Compensation & Benefits

→Competitive base salary plus incentive/commission opportunities.
→Health, dental, and vision insurance.
→Retirement and 401(k) benefits.
→Professional development and licensing support.
→Opportunities for career advancement within institutional sales and capital markets.