Personal Banker- Loan DST -DXB

Role Overview

Personal Banker - Loan DST at Mashreq, Dubai.

Role Purpose

Achieve monthly sales targets by prospecting targeted segments, presenting and selling personal banking products and services to potential customers, and ensuring end-to-end customer turnaround time is met with quality adherence while maintaining strict compliance with Bank policies.

Key Responsibilities

Sales & Business Development

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments that require meeting standards in phone calls and face-to-face visits.
• Present and sell all personal banking products and services to potential customers in an ethical, structured and professional manner.
• Handle objections with a view to getting the customer to buy or company to transfer payroll.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.

Customer Service & Operations

• Ensure end-to-end customer turnaround time (TAT) is met for all applications submitted with quality adherence as per target guidelines.
• Assist staff and customers in achieving their goals and objectives.
• Provide honest and courteous service, keeping accurate promises within service delivery standards set by the Bank.
• Ensure complete product and policy information is obtained and necessary documents are provided by the customer before submission to ensure smooth TAT.

Marketing & Engagement

• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.
• Participate in all Team Activities like morning huddles, training and coaching, and Lean and rewards celebrations.

Compliance & Risk Management

• Ensure strict compliance with the Bank's policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Complete mandatory compliance and fraud trainings.
• Ensure the highest ethics, standards and integrity are followed and immediately escalate any suspected or actual breaches to Senior Management and Governance as may be required.

Qualifications & Experience

• Any discipline with 1 year sales experience.

Skills & Competencies

• Confidence, persistence, and personality.
• Verbal and written communication skills.
• Basic knowledge of products, service policies and processes of Retail Banking.
• Understanding of customers' individual financial circumstances.

Additional Information

• Works in a competitive, dynamic, volatile and regulated business environment.
• Operating within well-defined and demarcated business areas with adherence required to policies and guidelines set out in the Bank's Credit Policy Manual.
• Daily reporting environment with six days working week.