وصف الوظيفة
Role Overview
Relationship Banker - Loan DST at Mashreq. This role is based in a retail banking environment serving targeted customer segments.
Role Purpose
Build and maintain customer relationships while achieving sales targets for personal banking products and services. Identify prospects in targeted segments, present solutions in an ethical and professional manner, and ensure compliance with all bank policies and regulatory requirements throughout the customer journey.
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 the company to transfer payroll.
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 courteous and friendly service and keep accurate promises 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 TAT.
Compliance & Governance
- 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 and immediately escalate any suspected or actual breaches to Senior Management and Governance as may be required.
Record Keeping & Engagement
- Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
- Participate in all team activities including morning huddles, training and coaching, mandatory compliance and fraud trainings, and Lean & rewards celebrations.
Qualifications & Experience
- Graduate from any discipline.
- Two years of banking sales experience.
Skills & Competencies
- Confidence, persistence, and strong personality.
- Verbal and written communication skills.
- Basic knowledge of products, service policies, and processes of Retail Banking.
- Understanding of customers' individual financial circumstances.
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