Relationship Banker- Loan DST

Role Overview

Relationship Banker – Loan DST at Mashreq. The role is based in a retail banking environment focused on loan distribution and relationship management.

Role Purpose

Drive personal banking sales growth by prospecting targeted customer segments, presenting and selling loan and banking products ethically, and ensuring end-to-end service delivery with strict compliance and quality standards.

Key Responsibilities

Sales & Prospecting

• 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 & Problem Solving

• Understand customers' individual financial circumstances to support sales.
• Assist staff and customers in achieving their goals and objectives.
• Honestly assist the customer in achieving objectives through courteous and friendly service.
• 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.

Operations & Delivery

• Ensure end-to-end customer turnaround time (TAT) is met for all applications submitted with quality adherence as per target guidelines.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.

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.
• Immediately escalate any suspected or actual breaches to Senior Management and Governance as required.

Team Participation

• Participate in all team activities including morning huddles, training and coaching sessions.
• Complete mandatory compliance and fraud trainings.
• Participate in Lean and rewards celebrations.

Qualifications & Experience

• Graduate from any discipline.
• 2 years 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.