Senior Personal Banker - Loan DST - DXB

Role Overview

Senior Personal Banker - Loan DST at Mashreq, Dubai.

Role Purpose

Drive personal banking sales and loan origination across targeted customer segments while maintaining strict compliance, ethical standards, and customer service excellence. Manage customer relationships, process applications efficiently, and achieve monthly sales targets within a regulated banking environment.

Key Responsibilities

Sales & Revenue Generation

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments through phone calls and face-to-face visits to meet prospecting standards.
• Present and sell all personal banking products and services to potential customers in an ethical, structured and professional manner.
• Handle customer objections with a view to securing purchase or company payroll transfer.
• Conduct micro marketing activities including kiosk activities and direct marketing initiatives.

Relationship & Portfolio Management

• Relationship manage a portfolio of approved companies by developing key contacts and relationships as required.
• Assist staff and customers in achieving their goals and objectives.
• Provide courteous and friendly service to customers with honest guidance toward their objectives, keeping accurate promises within Bank service delivery standards.

Operations & Service Delivery

• Ensure End-To-End customer turnaround time is met for all applications submitted with quality adherence as per target guidelines.
• Maintain the highest ethics, standards and integrity in all activities.
• Possess complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth turnaround time.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.

Compliance & Governance

• Ensure strict compliance with the Bank's policies regarding product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Immediately escalate any suspected or actual breaches to Senior Management and Governance as required.

Team Engagement & Development

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

Additional Information

• Works in a competitive, dynamic, volatile and regulated business environment.
• Six-day working week with daily reporting requirements.
• Must effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.
• Required to adhere to policies and guidelines set out in the Bank's Credit Policy Manual.