Personal Banker - Loan DST

Role Overview

Personal Banker - Loan DST at Mashreq, operating in a competitive, dynamic, volatile and regulated business environment.

Role Purpose

Drive personal banking product sales and customer acquisition through prospecting, presenting, and selling financial services to potential customers while maintaining strict compliance with bank policies, ethical standards, and service delivery targets.

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.
• Handle objections with a view to getting the customer to buy or company to transfer payroll.
• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.

Customer Service & Processing

• Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
• Ensure complete product and policy information is obtained to provide necessary documents by the customer before submission to ensure smooth TAT.
• Assist staff and customers in achieving their goals and objectives.
• Provide courteous and friendly service with accurate promises kept within the service delivery standards set by the bank.
• Understand customers' individual financial circumstances to support their needs.

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 required.
• Complete mandatory compliance and fraud trainings.
• Adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.

Reporting & Administration

• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
• Operate within well-defined and demarcated business areas.
• Work in an environment of daily reporting.

Team Engagement

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

Qualifications & Experience

• Any discipline with 1 year sales experience.

Skills & Competencies

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

Additional Information

• Six days working week.