Personal Banker - Loan DST

Role Overview

Personal Banker - Loan DST at Mashreq, operating in a dynamic retail banking environment.

Role Purpose

To achieve monthly sales targets by prospecting targeted customer segments, presenting and selling personal banking products and services in an ethical and professional manner, while ensuring strict compliance with banking policies and maintaining the highest standards of customer service and integrity.

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.
• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.
• 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 TAT is met for all applications submitted with quality adherence as per target guidelines.
• Ensure complete product and policy information to provide necessary documents before customer submission to ensure smooth TAT.
• Assist staff and customers in achieving their goals and objectives.
• Deliver courteous and friendly service with accurate promises kept within the service delivery standards set by the bank.
• Honestly assist the customer in achieving their objectives.

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.
• Ensure the highest ethics, standards, and integrity are followed.
• Immediately escalate any suspected or actual breaches to Senior Management and Governance as may be required.

Team & Organizational Engagement

• Participate in all Team Activities including morning huddles, training and coaching, mandatory compliance and fraud trainings, Lean and rewards celebrations.

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 to the Bank's Credit Policy Manual.
• Daily reporting environment with six days working.
• Required to effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.