Pros
Training in Malta is interesting but hard and long hours as expected. The guys over in Malta are full of energy and definitely committed to their roles. Relocate you to another country which makes this scheme appealing to graduates. When you have paid back your retainer each month you get the chance to earn decent commissions.
Cons
Firstly the good reviews are mostly written a few weeks into your graduate program to "help the reputation of the company". This is a pure cold calling role where you are expected to gather your own leads via LinkedIn / paying for long lists of contacts. Malta slowly gets you into the cold calling role, however, Malta claims you will be doing other tasks in the hope of becoming a wealth manager. The only other task is preparing a review for your advisor which takes 10 minutes at best. You spend 4 hours a day cold calling in a boiler room set up (although the views out of the windows are normally good!) and the advisors are a mixed bunch. Some are extremely educated and deserving of the title "Wealth Manager" while others (around 80%) don't have any financial qualifications at all apart from the basic CISI exam which anyone in the street could pass.