Senior Personal Banker - Loan DST - DXB

Role Overview

Senior Personal Banker - Loan DST at Mashreq, based in Dubai (DXB).

Role Purpose

Drive personal banking sales growth through prospecting and relationship management in targeted customer segments, ensuring compliance, quality service delivery, and ethical business practices across all product offerings.

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 getting the customer to buy or company to transfer payroll.

Relationship & Portfolio Management

• Relationship manage a portfolio of approved companies by developing key contacts and relationships.
• Conduct micro marketing activities that include kiosk activities and other direct marketing activities.

Customer Service & Delivery

• Ensure end-to-end customer turnaround time (TAT) is met for all applications submitted with quality adherence as per target guidelines.
• Provide complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
• Assist staff and customers in achieving their goals and objectives.
• Deliver courteous and friendly service with accurate promises keeping within the service delivery standards set by the bank.

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.

Reporting & Administration

• 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, complete mandatory compliance and fraud trainings, Lean and rewards celebrations.

Qualifications & Experience

• Any discipline with 2 years sales experience.
• Basic knowledge of products, service policies and processes of Retail Banking.

Skills & Competencies

• Confidence, persistence and strong personality.
• Verbal and written communication skills.
• Understanding of customers' individual financial circumstances.

Additional Information

• Works in a competitive, dynamic, volatile and regulated business environment.
• Six-day working week with daily reporting.
• 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.