Relationship Banker- Loan DST

Role Overview

Relationship Banker – Loan DST at Mashreq Bank, Direct Sales Department, Grade I2. Reports to Team Leader/Sales Manager.

Role Purpose

Sell the entire range of personal banking products to potential retail prospects and maintain strong relationships with existing clients of the bank.

Key Responsibilities

Sales & Revenue Generation

• 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.

Marketing & Customer Engagement

• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.

Operations & Compliance

• Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
• Ensure strict compliance with the Bank's policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Have complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.

Team & Professional Development

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

Ethics & Governance

• Ensure the highest ethics, standards and integrity are followed and immediately escalate any suspected or actual breaches to Senior Management and Governance as required.
• Assist staff and customers in achieving their goals and objectives.
• Honestly assist the customer in achieving his objectives through courteous and friendly service and accurate promise-keeping within the service delivery standards set by the bank.

Qualifications & Experience

• Graduate from any discipline.
• Two years banking 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

• Six days working week with daily reporting requirements.
• Works in a competitive, dynamic, volatile and regulated business environment.
• Operates within well-defined and demarcated business areas and must adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.