Senior Personal Banker- Loan DST

Role Overview

Senior Personal Banker - Loan DST at Mashreq.

Role Purpose

Drive personal banking sales and relationship management by prospecting targeted segments, presenting and selling all personal banking products and services, managing customer portfolios, and ensuring compliance with bank policies while maintaining the highest ethical standards.

Key Responsibilities

Sales & Business Development

• Achieve monthly sales targets in 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.
• Conduct micro marketing activities including kiosk activities and other direct marketing activities.
• Understand customers' individual financial circumstances to support sales approach.

Relationship Management

• Relationship manage a portfolio of approved companies by developing key contacts and relationships.
• Assist staff and customers in achieving their goals and objectives.
• Honestly assist customers in achieving their objectives through courteous and friendly service, accurate promise keeping within 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.
• Maintain complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.

Operations & Reporting

• Ensure End-To-End customer 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.
• 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 of sales experience.

Skills & Competencies

• Sales profile requiring confidence, persistence, personality and verbal and written communication skills.
• Basic knowledge of products, service policies and processes of Retail Banking.