وصف الوظيفة
Role Overview
Relationship Banker - Loan DST at Mashreq, Dubai.
Role Purpose
Drive personal banking product sales through targeted prospecting and relationship management while maintaining strict compliance, ethical standards, and customer service excellence within a dynamic, regulated banking environment.
Key Responsibilities
Sales & Revenue
- Achieve monthly sales targets within the financial year.
- Prospect in targeted segments meeting standards for 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 securing customer purchases or payroll transfers.
Marketing & Engagement
- Conduct micro marketing activities including kiosk activities and other direct marketing activities.
- Participate in all team activities including morning huddles, training and coaching, and Lean & rewards celebrations.
Operations & Service Delivery
- Ensure end-to-end customer turnaround time (TAT) is met for all applications submitted with quality adherence as per target guidelines.
- Maintain complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
- Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
Compliance & Risk Management
- Ensure strict compliance with the Bank's policy regarding 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.
- Immediately escalate any suspected or actual breaches to Senior Management and Governance as required.
Customer Service
- Assist staff and customers in achieving their goals and objectives.
- Provide courteous and friendly service with accurate promises kept within service delivery standards set by the bank.
- Understand customers' individual financial circumstances to assist them in achieving their objectives honestly.
Qualifications & Experience
- Graduate from any discipline.
- Two years banking sales experience.
Skills & Competencies
- Sales confidence, persistence, personality, and strong verbal and written communication.
- Basic knowledge of retail banking products, service policies, and processes.
Additional Information
- Works in an environment with six days working and daily reporting requirements.
- Operates within a competitive, dynamic, volatile, and regulated business environment.
- Must adhere to policies and guidelines set out in the Bank's Credit Policy Manual.
- Must effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.
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