CHARMAINE Y BOTES
CENTURION,SOUTH AFRICA
Summary
Accomplished financial advisor with extensive expertise in understanding clients' financial goals, regulatory compliance awareness, and estate planning knowledge. Proven track record in retirement planning, relationship management, and wealth management. Adept at client book building, new business generation, and investment counselling. Demonstrated proficiency in life assurance products, pension transfers, and client relationship management. Strong background in customer service, team leadership, and the training and development of new advisors. Committed to driving business development with a positive attitude while ensuring compliance understanding throughout all processes.
Overview
45
45
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Financial advisor
Accredinet Financial Solutions PTY Ltd
Pretoria, Gauteng
02.2012 - Current
- Prepare comprehensive financial analyss for improved decision making.
- Advised on wealth management strategies for long-term growth.
- Performed regular reviews of client portfolios.
- Resolved complex financial issues, ensured client satisfaction.
- Achieved greater customer satisfaction with insightful investment strategies.
- Implemented robust compliance procedures to prevent regulatory breaches.
- Enhanced client relations by providing expert financial advice.
- Tailored insurance policies to match clients' unique needs.
- Developed tailored financial solutions to meet individual needs.
- Counselled clients on financial matters and provided recommendations on investment opportunities, products and services based on client needs and asset availability.
- Supported clients in setting clear financial goals with plans to achieve them.
- Maintained up-to-date knowledge of legislation and policy changes.
Financial planner
Discovery Consultancy Services
Pretoria, Gauteng
12.2010 - 01.2012
- Sourced new clients through proactive telemarketing efforts, expanding market reach.
- Utilised persuasive selling techniques to drive product uptake.
- Achieved a high level of customer engagement through effective communication skills.
- Implemented upselling techniques during interactions, maximising sale value per transaction.
- Generated leads via networking events, boosting potential customer base.
- Enhanced customer satisfaction with thorough knowledge of products.
- Understood goals and used upselling and cross-selling techniques to achieve targets.
Financial advisor
FNB
Pretoria, Gauteng
07.2004 - 11.2010
- Recommended sound retirement plans to ensure future stability.
- Advised on wealth management strategies for long-term growth.
- Resolved complex financial issues, ensured client satisfaction.
- Achieved greater customer satisfaction with insightful investment strategies.
- Developed tailored financial solutions to meet individual needs.
- Guided clients through complex mortgage applications, simplified process.
- Tailored insurance policies to match clients' unique needs.
- Enhanced client relations by providing expert financial advice.
- Counselled clients on financial matters and provided recommendations on investment opportunities, products and services based on client needs and asset availability.
- Developed cash flow strategies based on timely analyses and tax-efficient focus.
- Promoted banking products and services, increasing brand visibility.
- Delivered high-quality training programmes to improve team performance.
- Streamlined internal processes for increased productivity.
Lived in Singapore
Ex-Pat Travelling
Singapore, Singapore
04.2002 - 01.2004
Broker Consultant & Broker
Sanlam, ABSA & Momentum
Pretoria, Gauteng
09.1992 - 03.2003
- Performed efficient brokerage services, resulting in increased customer satisfaction levels.
- Produced accurate reports detailing market conditions aiding strategy development.
- Built strong professional relationships to increase client base.
- Boosted business relationships with effective negotiation and communication techniques.
- Devised solutions for clients' unique needs, enhancing their trust in our expertise.
- Provided advice on investment opportunities, contributing to client's financial growth.
- Achieved client satisfaction by providing excellent customer service.
- Supported sales, brokers, consultants and underwriters in marketing and sales activities.
- Participated in cold-calling program, converting calls to meetings and new business wins.
- Consulted with customers on available financial products tailored to desired investment goals.
Investment Consultant
United Building Society then Bank
Nelspruit & Pretoria, South Africa
12.1979 - 08.1992
- Guided clients in understanding the complexity of investment plans and options related to bank products.
Education
NQF 6 - National Certificate: Financial Markets & Instruments
Bank Seta - SAQA
South Africa 08.2010 - 08.2010
NQF 5 - Nation Certificate in Financial Services:Wealth Management
FPI LEARNING
SOUTH AFRICA 02.2007 - 02.2007
NQF 5 - Nation Certificate in Financial Services: Wealth Management
FPI LEARNING
SOUTH AFRICA 11.2006 - 11.2006
NQF 4/5 - Nation Certificate in Financial Services: Wealth Management
FPI LEARNING
SOUTH AFRICA 08.2006 - 08.2006
RFP - REGISTERED FINANCIAL PPLANNER
FPI
SOUTH AFRICA 08.2006 - 08.2006
RFP - REGISTERED FINANCIAL PPLANNER
FPI
SOUTH AFRICA 11.2006 - 11.2006
CFP Not Completed - CERTIFIED FINANCIAL PLANNER
UNIVERSITY FREE STATE
SOUTH AFRICA 01.2010 - 12.2013
Skills
- Understanding clients' financial goals
- Regulatory compliance awareness
- estate planning knowledge
- Retirement planning expertise
- Relationship Management
- Financial planning
- Client book building
- New business generation
- Life assurance products
- Investment counselling
- Wealth management
- Client Relationship Management
- Compliance understanding
- Pension transfers
- Customer Service
- Team Leadership
- Business development
- Positive attitude
- Training, supervision and development of new advisors
Languages
English
Fluent
Afrikaans
Fluent
Certification
Category 1
Long-term insurance subcategory A
Participatory interest in a collective investment scheme
Short-term Insurance Personal Lines
Health Service Benefits
Long-term Insurance subcategory B1
Long-term Insurance subcategory B2
Long-term Insurance category C
Long-term Insurance subcategory B2-A
Retail Pension Benefits
Short-term Insurance Commercial Lines
Long-term Insurance subcategory B1-A
Short-term Insurance Personal Lines A1
Timeline
Financial advisor
Accredinet Financial Solutions PTY Ltd
02.2012 - Current
Financial planner
Discovery Consultancy Services
12.2010 - 01.2012
NQF 6 - National Certificate: Financial Markets & Instruments
Bank Seta - SAQA
08.2010 - 08.2010
CFP Not Completed - CERTIFIED FINANCIAL PLANNER
UNIVERSITY FREE STATE
01.2010 - 12.2013
NQF 5 - Nation Certificate in Financial Services:Wealth Management
FPI LEARNING
02.2007 - 02.2007
NQF 5 - Nation Certificate in Financial Services: Wealth Management
FPI LEARNING
11.2006 - 11.2006
RFP - REGISTERED FINANCIAL PPLANNER
FPI
11.2006 - 11.2006
NQF 4/5 - Nation Certificate in Financial Services: Wealth Management
FPI LEARNING
08.2006 - 08.2006
RFP - REGISTERED FINANCIAL PPLANNER
FPI
08.2006 - 08.2006
Financial advisor
FNB
07.2004 - 11.2010
Lived in Singapore
Ex-Pat Travelling
04.2002 - 01.2004
Broker Consultant & Broker
Sanlam, ABSA & Momentum
09.1992 - 03.2003
Investment Consultant
United Building Society then Bank
12.1979 - 08.1992
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