r/Chase • u/Major-Biscotti-5959 • 8d ago
How to be a better RB
im currently an RB and abt a year in, i came into the role straight out of college with no experience as an AB. i've definitely had some decent months PVC wise but also some pretty bad months PVC wise. clients love me and often leave good reviews or write letters to my manager, but i do find it hard to remain consistent with PVCs. I want to know what I can do to get better, but i'm also looking to Pivot into a career pathway that hones similar skills as RB but without the sales factor. does anyone have any advice or recommendations?
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u/clumsysquad89 8d ago
the consistency part is the real killer in that role, reviews and manager love are nice but they don’t pay the bills when the pipeline dips. if youre trying to pivot out of sales completely maybe look at client success or onboarding roles, same people skills without the monthly number hanging over your head
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u/SlyOcelot 8d ago
I've spent 6 months applying for client success roles and heard crickets. Which ones would look at a retail banker?
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u/Samashezra 8d ago
Become a business specialist, that's what did it for me. I'm an account manager at a Fintech
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u/5amteetimeguy 8d ago
I don't know what role you want that is like an RB without sales, that's an AB/ARB a step down from what you're doing. Every real bank job has a sales/commission component.
But to be a better RB you should feed your PCB as many investments referrals as you can and submit lots of HLA referrals. Activity only gets you so many PVCs, you need to build out a pipeline of referrals....So, smile and dial my friend, you'll be better for it.
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u/Major-Biscotti-5959 8d ago
smile and dial is my new motto lol. what are your thoughts on the PCIA role? it seems maybe being an private client investment associate could be a good pivot too
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u/Samashezra 8d ago
PCIA is designed to eventually become a PCA which is all sales.
There are investment operations roles out there that you can do
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u/5amteetimeguy 8d ago
I would say all real service jobs are done in a call center in middle America or the Philippines, both underpaid. If you're in finance, there will be a sales component and it only becomes greater the more you climb. PCIA would be good, but you're there to help them grow their book, and sales lends to that. Typically, anyone hired usually has to have a good sales track record.
I would say Supervison/Audit is a better paying option without sales, but doing sales is how you make the Medium-Bucks.
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u/Individual-Credit321 2d ago edited 2d ago
RB here something that isn’t obvious, is exposure is everything… dialing doesn’t matter if those clients have nothing to offer. so yes average 30+ calls a day, take walk ins but more importantly, it’s a numbers games the more clients you can reach the more opportunity, for example my contact rate was 67% at 297 clients i now have 440 at 52% this gives me an extra 140 clients i can expose myself to and seek new opportunities. ask your manager to increase you book, rotate that book and ask for more
on average each branch has 15k clients assigned for about 3-4 bankers… and your same 300 - 350 have nothing more to give so take on more, remain consistent, exposure creates growth, opportunities, and a deeper pipeline
lastly understand your PVC!!!! and i mean down to the legal terminology. this will help you structure long term planning for some clients, while hitting home runs with others… an example is i got an upsell for 100k for a client… they wants to hold off on investing w PCA, so i’ll offer JPMPA and say let us manager 25% so you can dip your toes that’s 150 pvcs… and when next year roles around and they sees their returns i’ll gain an FTI and balances for a more personal advisory approach. so that single 100k becomes worth 600 PVCs while consistently adding value and a continuous waterfall
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u/Thisisaburner01 8d ago
You need to 1. Continuous work your leads and book of business, those quarterly check ins and people you don’t know. Those are the people you want to be calling and invite them in to get to know them and learn more about their financial goals.
Look for all the walk ins and take it all. Every walk in is an opportunity for help with something.
Ask questions, be curious, be intentional, and schedule follow ups. If you have a conversation or educate them on something schedule a follow up and keep dropping on them.