Personal Banker - Loan DST

Role Overview

Personal Banker - Loan DST at Mashreq.

Role Purpose

Source and process loan applications while maintaining quality standards, product profitability, and adherence to credit and policy guidelines. Build customer relationships and translate sales opportunities into business outcomes.

Key Responsibilities

Sales & Business Development

• Maintain the quality of applications brought in for satisfactory approval rates.
• Maintain product mix to ensure profitability of business.
• Manage bulk sourcing of customers from the corporate sector and exploit sales opportunities by translating them into fruitful business relationships.
• Proactively work towards satisfying the needs of the customer.

Credit & Compliance

• Ensure adherence to Credit and Policy guidelines in sourcing customers by maintaining quality of applicants and proper documentation.
• Follow the documentation policy guidelines while accepting documents from the customer.
• Adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.

Stakeholder Management & Communication

• Interact with Team Leader regarding expectations and to ensure target achievements.
• Effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.
• Assist staff and customers in achieving their goals and objectives.

Service Delivery

• Responsibly assist customers in achieving their objectives through courteous and friendly service.
• Maintain accurate promises keeping within the service delivery standards set by the bank.
• Maintain complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth turnaround time.

Qualifications & Experience

• Any discipline.
• 1 year of sales experience.

Skills & Competencies

• Sales profile requiring confidence, persistence, and personality.
• Verbal and written communication skills.
• Basic knowledge of products, service policies, and processes of Retail Banking.

Additional Information

• Operates in a competitive, dynamic, volatile, and regulated business environment with low entry and exit barriers.
• Operation within well-defined and demarcated business areas.
• Works in an environment of daily reporting with six days working.