Training structure
IUT Montpellier-Sète
Language(s) of instruction
French
Presentation
The professional degree in Insurance, Banking and Finance: Customer Relationship Manager, Personal Market Sales Advisor prepares students in a one-year 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.
Teaching takes place in two complementary stages (440h) and is taught by at least 25% of industry professionals:
- General training related to the insurance, banking and finance professions.
- Specific training for the retail sales advisor profession. Specific training in the role of sales advisor for private individuals.
Professional and regulatory certifications are awarded either during the year, based on successful completion of tests, or on graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Loi Lagarde, Directive DCI, Assurance ACPR niv. 1.
The integration of additional course modules now enables students to prepare for certification by the Autorité des Marchés Financiers (AMF).
These various stages are coupled with an internship dissertation and a professional project report (120h), ensuring a solid build-up of students' skills over the two semesters of the professional license.
Objectives
The professional degree is designed to enable students to enter the workforce directly, in positions as sales advisors to private 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
Sales advisors in the retail market must acquire a set of skills enabling them to carry out the following main activities, in an omnichannel customer environment:
- Manage the day-to-day activities of a branch,
- Analyze customer needs (customer discovery),
- Negotiate and sell financial products and services,
- Manage a customer portfolio,
- Analyze and manage business risks
- Keep abreast of changes in the sector and regulations.
Organization
Knowledge control
Assessment is continuous for each course. Oral examinations are used to assess the internship and project (group) dissertations.
The LP is awarded if the average is above 10/20 for all grades, including the internship and project, and if the average is above 10/20 for the internship and project (decree licence pro 1999 and decree licence, licence pro and master 2014).
Validation of the diploma entitles the holder to 60 European credits (ECTS).
The diploma is equivalent to:
- Formation Loi sur le Crédit à la Consommation (Loi Lagarde),
- Formation DCI (Directive Crédit Immobilier),
- Level I ACPR,
- Level I IAS,
- Level I IOB,
- Level I CIF.
Special features
Special arrangements can be made for students with disabilities.
Program
12 months of work-study, including 17 weeks at IUT Montpellier-Sète (overall work-study rhythm 2 weeks / 2 weeks), during which a range 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%)
- Personal financing, risk and guarantees (15%)
- Mathematics, accounting and financial analysis (8%)
- Financial markets and stock market operations (7%)
- Preparing for the AMF (Autorité des Marchés Financiers) exam (4%)
- Compliance (4%)
- Banking marketing (4%)
- Banking English (4%)
- Project methodology (4%)
Admission
Target audience
Graduates with a 2-year higher education diploma, preferably with a commercial focus.
Under 30 when signing an apprenticeship contract. Any age when signing a professionalization contract.
Necessary prerequisites
Any diploma at bac + 2 level can give access to the bachelor's degree.
Recommended prerequisites
2 years' higher education and/or professional experience (and/or an internship) in banking or insurance would be appreciated.
And then
Further studies
The aim of the professional bachelor's degree is rapid integration into working life, not further study.
However, some students do go on to study for professional Master's degrees, generally on a sandwich course with their host company, particularly as professional or wealth advisors.
Bridges and reorientation
Any other training program accessible at Bac +2 level, or Bac + 3 after obtaining a bachelor's degree.
Professional integration
Taking the average of the last three surveys 30 months after graduation, the integration rate is 90%.
The vast majority of jobs are located in the Occitanie region and in the targeted sector. The average salary is €1,770.