Training structure
IUT Montpellier-Sète
Presentation
The professional degree in Insurance, Banking, Finance: Customer Service Manager - Individual Market Sales Advisor prepares students for positions as sales advisors in the banking and insurance sectors in one year through apprenticeship (CFA DIFCAM or FORMAPOSTE depending on the host company).
The Bachelor's degree is certified ISO 9001, version 2015.
The teaching takes place in two complementary stages (440 hours) and is provided by at least 25% of professionals in the sector:
- General training related to the insurance, banking and finance professions.
- Specific training for the profession of sales consultant for individuals. Specific training in the profession of sales advisor for individuals.
Professional and regulatory certifications are awarded either during the year depending on the success of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Loi Lagarde, DCI Directive, ACPR Insurance level 1.
The integration of additional course modules now allows students to prepare for the Autorité des Marchés Financiers (AMF) certification.
These different stages are coupled with an internship thesis and a professional project report (120 hours) which ensure a solid increase in students' skills over the two semesters of the professional license.
Approximately 95%, including mid-year dropouts.
Success rate
The advantages of the training
The assessment of knowledge is continuous for each course. Oral examinations are used to evaluate the internship and tutored project dissertations (collective)
The LP is obtained if the average is higher than 10/20 for all grades, including internship and project, and if the average is higher than 10/20 for all internship and project grades (decree of the licence pro 1999 and decree of the licence, licence pro and master 2014).
Validation of the diploma allows 60 European credits (ECTS) to be obtained.
The diploma is equivalent to :
- Training on the Consumer Credit Law (Lagarde Law),
- DCI (Real Estate Credit Directive) training,
- Level I ACPR,
- Level I IAS,
- Level I IOB,
- Level I CIF.
Professional certifications are delivered during the year, depending on the success of certain tests:
- LCB - FT (fight against money laundering and terrorist financing), private market
- International sanctions - OFAC,
- Consumer Credit Law - Lagarde Law
The license allows the possibility of passing, at the IUT of Montpellier-Sète, the Voltaire certification and the ibellule module for e-mail writing.
Objectives
The professional degree aims to insert students directly into working life, in positions as sales advisors for individuals in the banking and insurance sectors.
(ROME codes: C1201 : Reception and banking services; C1203 - Banking/finance customer relations; C1206 : Banking customer management; C1205 - Financial asset management advice; C1102 : Insurance customer advice.)
Know-how and skills
The sales consultant in the individual market must acquire a set of skills enabling him/her to carry out the following main activities, in a context of omnichannel customer journey:
- Manage the daily activities of a branch,
- Analyze the customer's needs (customer discovery),
- Negotiate and sell financial products and services,
- Manage a portfolio of customers,
- Analyze and manage the risks related to the activity
- Master the evolutions of the sector and the regulations.
Organization
Special arrangements
Accommodations can be made for students with disabilities.
Program
12 months of alternation including 17 weeks at the IUT Montpellier-Sète (global rhythm of alternation 2 weeks / 2 weeks) during which a set of subjects are studied. They can be grouped as follows
- Customer Relationship Management and commercial negotiation (20%)
- Banking and insurance products and services (15%)
- Taxation, property law and consumer law (15%)
- Private individual financing, risk and guarantee (15%)
- Math, accounting and financial analysis (8%)
- Financial markets and stock market operations (7%)
- Preparation for the AMF (Autorité des Marchés Financiers) exam (4%)
- Compliance (4%)
- Banking marketing (4%)
- Banking English (4%)
- Project methodology (4%)
Select a program
Sales consultant for the individual market - Option: Insurance
The professional degree in Insurance, Banking, Finance: Customer Manager, Sales Advisor for the individual market prepares students in one year through apprenticeship (CFA DIFCAM or FORMAPOSTE, depending on the host company) for positions as sales advisors in the banking and insurance sectors.
The Bachelor's degree is certified ISO 9001, version 2015.
The teaching takes place in two complementary stages (440 hours) and is provided by at least 25% of professionals in the sector:
- General training related to the insurance, banking and finance professions.
- Specific training for the profession of sales consultant for individuals. Specific training in the profession of sales advisor for individuals.
Professional and regulatory certifications are awarded either during the year depending on the success of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Loi Lagarde, DCI Directive, ACPR Insurance level 1.
The integration of additional course modules now allows students to prepare for the Autorité des Marchés Financiers (AMF) certification.
These different stages are coupled with an internship thesis and a professional project report (120 hours) which ensure a solid increase in students' skills over the two semesters of the professional license.
Sales consultant for the retail market - Option: Banking
The professional degree in Insurance, Banking, Finance: Customer Manager, Sales Advisor for the individual market prepares students in one year through apprenticeship (CFA DIFCAM or FORMAPOSTE, depending on the host company) for positions as sales advisors in the banking and insurance sectors.
The Bachelor's degree is certified ISO 9001, version 2015.
The teaching takes place in two complementary stages (440 hours) and is provided by at least 25% of professionals in the sector:
- General training related to the insurance, banking and finance professions.
- Specific training for the profession of sales consultant for individuals. Specific training in the profession of sales advisor for individuals.
Professional and regulatory certifications are awarded either during the year depending on the success of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Loi Lagarde, DCI Directive, ACPR Insurance level 1.
The integration of additional course modules now allows students to prepare for the Autorité des Marchés Financiers (AMF) certification.
These different stages are coupled with an internship thesis and a professional project report (120 hours) which ensure a solid increase in students' skills over the two semesters of the professional license.
Admission
Target audience
Graduates of a Bac + 2 level, preferably with a commercial focus.
Be under 30 years old when signing an apprenticeship contract. Any age for the signature of a professionalization contract.
Necessary pre-requisites
Any diploma of Bac + 2 level can authorize the access to the licence.
Recommended prerequisites
A 2-year degree and/or professional experience (and/or internship) in the field of banking or insurance are appreciated.
And then
Further studies
The objective of the professional license is a rapid integration into working life and not the continuation of studies.
However, some students continue, generally in alternation with their host company, on professional Masters, particularly in the professions of professional or patrimonial advisors.
Bridges and reorientation
Any other training accessible at Bac +2 level, or Bac + 3 after obtaining the license.
Professional integration
Taking the average of the last three surveys 30 months after graduation, the insertion rate is 90%.
The vast majority of jobs are located in the Occitanie region and in the targeted sector. The average salary is 1770 €.