Al Mutarid liferstyle Branch - Branch Sales Executive (Outsource)

Role Overview

Al Mutarid Lifestyle Branch - Branch Sales Executive (Outsource) at ADIB, located in Al Ain.

Role Purpose

Source Personal Finance applications from the local market within ADIB permitted policy and procedure to meet assigned targets.

Key Responsibilities

Sales & Business Development

• Source New to Bank Personal Finance products to the specified target segment and achieve or exceed the assigned target.
• Visit potential companies and institutions to finalize business deals within the targeted turnaround time based on ADIB policy and procedure, and provide feedback to RSS.
• Create and maintain good relationships with all business entities and individuals where business is sourced.
• Initiate cross-sell of other banking products on best efforts basis when required.

Product Knowledge & Service Delivery

• Maintain full awareness of product knowledge and implement it at all times.
• Deliver timely and prompt service to customers.
• Maintain good rapport with inter-department peers and colleagues by ensuring smooth flow of business.

Reporting & Documentation

• Prepare and maintain DSR (Daily Sales Report) for all visited customers and company visits.
• Submit DSR to the respective Branch Manager by end of day with complete details.

Credit Application Processing

• Prepare and review Standard Credit Applications and ensure all information provided is accurate and authentic, particularly critical documents (Cheque, Bank Statement copies, Passport, Emirates ID, Salary Certificate, etc.) prior to sending to PU for processing.
• Ensure all submitted applications are error-free and rectify any errors found.
• Follow the approval process and escalate any delays to BM/OSM.

Contract Execution & Card Management

• Execute Murabaha contracts with customers representing ADIB and prepare files as per the checklist.
• Forward card allocation for card issuance through coordinators within 24 hours of completing signing formalities with customer.
• Check PF disbursement and notify BM/OSM in case of delay at Card Center end.

Compliance & Customer Service

• Adhere to stipulated office timing, follow secrecy norms strictly, maintain data confidentiality, and maintain a presentable appearance.
• Understand that non-compliance with the above will be escalated.
• Escalate customer complaints to supervisor level immediately if any arise.
• Participate in activities assigned by BM/OSM or line manager during promotions.

Skills & Competencies

• Broad knowledge of ADIB's PF and other RBG products and services.
• Fair knowledge of service standards, sales skills, and computer skills.
• Good knowledge of UAE banking practices, regulations, and risks.
• Thorough knowledge of all regulations issued by Central Bank of UAE.
• General awareness of competitors in the local market.