Senior Personal Banker- Loan DST

Role Overview

Senior Personal Banker – Loan DST at Mashreq, based in the DST (Loan) division.

Role Purpose

To achieve monthly sales targets by prospecting, presenting, and selling personal banking products and services to potential customers, while managing customer relationships, maintaining strict compliance, and ensuring service delivery standards across all transactions.

Key Responsibilities

Sales & Business Development

• 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 the company to transfer payroll.
• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.

Relationship Management

• Relationship manage a portfolio of approved companies by developing key contacts and relationships where required.
• 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.

Customer Service & Operations

• 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.
• Maintain complete product and policy information to support accurate customer service.

Compliance & Risk Management

• 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 Engagement

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

Qualifications & Experience

• Any discipline with 2 years of sales experience.

Skills & Competencies

• Confidence, persistence, and strong personality.
• Verbal and written communication skills.
• Basic knowledge of retail banking products, service policies, and processes.
• Understanding of customers' individual financial circumstances.