Spotting Opportunities & Making Referrals


Do you have the curiosity-seeking skills needed for spotting opportunities? Do you have the product knowledge to identify what the customer might need?

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Spotting Opportunities is About Developing Your Curiosity-Seeking Skills

Branch personnel and call center agents typically interact with more customers every day than anyone else in your financial institution. It makes sense that banks expect high foot traffic locations and high call volume points of contact help to generate quality referrals that lead to product and service sales. Yet staff in these positions often struggle in making a smooth transition from handling the transaction to a short, needs-based discussion that can lead to a referral or a cross-sell.

While there are many critical responsibilities of any client contact employee, none will be more important than these two: Process accurate transactions efficiently and look for ways to expand the relationship. Every client encounter presents opportunities to engage the customer. Customer engagement opens the door to uncover a need not being met. Alert, attentive frontline staff can spot and act on introducing a new product or making a referral to a specialist.

Making Referrals is About Knowing Your Product

If the employee doesn’t know how to start a conversation with the customer or feels unprepared for questions about product and service benefits, the conversation most likely will never happen. Add to that the employees’ perception that customers don’t have the time and may buy in to the false belief that if the customer needed something they would ask. Research proves time and again that customers are interested in ways the bank can help them with their financial needs.

The keys to successful referrals and cross-sells are preparation and curiosity. Preparation involves knowledge of the institution’s offerings and best matches of products and services to meet customer needs. Curiosity about the customer leads to engagement that can provide discovery of a life event, need or problem that an attentive call center agent or branch staff person can offer a solution or a referral that results in a satisfying match.

What You Will Learn

  • Develop your curiosity-seeking skills
  • Change your mindset to spot opportunities
  • How do I prepare for customer interaction?
  • Understand product and service targets
  • Build product matching guides
  • Build relationships through curiosity
  • What to ask your customers
  • How do I multiply referrals


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