Bank Sales Management - How to Develop a Winning Sales System

One of the greatest things about fall for manycustomers, their wants and desires, and their
people (myself included!) is that it's football season.preferences in mind, you're ready to design your
Each weekend all over the country, hundreds ofbank's unique sales system. This system should
thousands of adults and children play the game,be a sequence of steps over a period of time
using highly structured offensive and defensivethat will:
systems and procedures designed to achieve- Ensure that you cover the market (touch all
specific purposes. The best teams practice hard inlikely prospective or existing customers).
order to execute their plays perfectly during the- Make accurate assessments of who is and is
games.not likely to be a customer.
So, at the risk of inflicting sports analogy pain,- Explore the issues with those who are likely to
here's my point: Football players and fans don'tbe customers.
question the need for detailed systems and- Make compelling proposals.
structure in order to win. But why do so many- Help customers make good buying decisions.
salespeople think that structure, systems, and- Nurture and expand existing relationships.
procedures are somehow inappropriate-evenYour sales system should reflect the most
demeaning-in sales?effective practices of your current sales
Your Sales Playbookorganization, and should be designed to appeal
Sales, like sandlot football, can be a very simplespecifically to each group of your prospective
game: Set appointments, make calls, askcustomers-reflecting their psychographics, in
questions, and follow up. Sales "players" use theirparticular. For example, if the best days for
strengths and capabilities to create processes byprospecting are Tuesdays, then your sales
which they manage their sales activities andsystem should direct salespeople to prospect on
communicate with customers and prospects. TheTuesday. If a particular way of exploring needs
question is could salespeople be more effective ifseems to work best, salespeople should use that
their processes were more structured-if theremethod. If blue shirts seem to encourage more
was a standardized sales "playbook," so to speak?sales than white shirts, then salespeople should be
Evidence from the field clearly suggests "yes."wearing blue shirts.
Just as football coaches have systems thatGive each step a name (such as Approach
enable them to teach and coach by identifying theProspect, Assess Needs, Design Solution, Make
effectiveness of different plays and reducingProposal, Implement Solution, and Expand
unwanted variations in performance, so aRelationship) and define them in terms of:
structured sales system gives sales managers the- Inputs - What triggers the step to begin and
same power to assess the flow and quality ofwhat is brought forward from preceding steps.
leads and the conversion of leads to customers.- Activities - What salespeople do, what tools
This will help reduce unwanted variations andthey use (e.g., lead generators, prospect lists,
increase sales effectiveness.scripts) and when they use them.
A well-structured sales system will help reveal- Outputs - What signals completion of each step.
which activities salespeople should beThis structure brings you and your salespeople
performing-as well as when, how (and how often),several benefits:
and with whom to perform them-at each stage.- Training and quality improvement - If you see
It can become one of your most importantthat salespeople can't or won't use the sales
competitive weapons and increase your return onsystem effectively, you can develop a clear
investment as you accelerate your salespicture of where additional training or
revenues and profitability.encouragement may be needed.
How to Do It- Risk management - If your team is using a
Just as a play in football is designed to achieve astructured and standardized sales system and
specific purpose in specific conditions, so shouldtracking its progress through it with each
your sales system. The first set of "conditions" toprospect or customer, you have an early warning
define is your customers, in terms of threesystem that tells you whether you have a
specific criteria:sufficient flow of opportunities through the sales
- Demographics - Use descriptions like companypipeline, and whether the sales team's activities
size, industry, number of employees, maturity,are leading to a sufficient yield of closed business.
etc.- Quality control and yield - Your sales playbook
- Psychographics - These are your customers'should describe the "high probability plays"-the
psychological profiles, particularly those related tomost effective path to sales success with your
how they buy and what prompts them to buy.clients and prospects. If salespeople "shortcut" the
- Likely movement - These are conditions thatplaybook, you can intervene in order to put them
could be affecting customers, like advancing age,back on the high probability path. For example, a
changes in interest rates, expansion into othersalesperson may think he's at the Make Proposal
parts of a region, or changes in technology.step because the prospect has asked for a
Salespeople need to know exactly who they'reproposal. But when you look at the work that has
pursuing and, just as importantly, who they're notbeen completed, you may find there are several
pursuing. This is equivalent to telling a linebacker,activities in the Assess Needs step that still need
"You focus on #32. Forget about everybody else.to be completed before moving on to the
Where ever he goes, you go. If he gets the ball,proposal.
you tackle him." If your bank sells to differentTweaking and Improving
groups of customers (as defined by theirWhen it comes to observing, measuring, and
demographics, psychographics, and likelyimproving your sales system, one more football
movement), you should define these profiles foranalogy. Think about the coaches sitting high in the
each group. Your message to your salespeoplestadium, tirelessly charting plays, filming games,
should be, "Pursue prospects who fit our profiles,and compiling different statistics. They want to
and leave the others alone."know the facts about what works and what
The next step is to craft a "story" for eachdoesn't.
profiled group. The story should say why yourIf you're observing and measuring your
bank exists in terms of helping meet thesalespeople's use of your sales system, you (and
challenges your prospects face; prospectivethey) will see opportunities to improve it. Make
customers who hear the story should be able toone change at a time so you're able to see the
see themselves in it. The people who don't seeimpact of each change. Set up control groups or
themselves in your story are telling you they'reother ways to measure the impact of each
not likely to be customers.change-so you can make your decisions based on
Designing your Systemfacts rather than guesswork.
With a clear description of your prospective