Relationship Banker- Loan DST - DXB

Role Overview

Relationship Banker - Loan DST at Mashreq, Dubai.

Role Purpose

Drive personal banking product sales through targeted prospecting and relationship management while maintaining strict compliance, ethical standards, and customer service excellence within a dynamic, regulated banking environment.

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 securing customer purchases or payroll transfers.

Marketing & Engagement

• Conduct micro marketing activities including kiosk activities and other direct marketing activities.
• Participate in all team activities including morning huddles, training and coaching, and Lean & rewards celebrations.

Operations & Service Delivery

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

Compliance & Risk Management

• Ensure strict compliance with the Bank's policy regarding product, customer KYC, FATCA, AML CTF, and third-party channel interactions.
• Complete mandatory compliance and fraud trainings.
• Ensure the highest ethics, standards, and integrity are followed.
• Immediately escalate any suspected or actual breaches to Senior Management and Governance as required.

Customer Service

• Assist staff and customers in achieving their goals and objectives.
• Provide courteous and friendly service with accurate promises kept within service delivery standards set by the bank.
• Understand customers' individual financial circumstances to assist them in achieving their objectives honestly.

Qualifications & Experience

• Graduate from any discipline.
• Two years banking sales experience.

Skills & Competencies

• Sales confidence, persistence, personality, and strong verbal and written communication.
• Basic knowledge of retail banking products, service policies, and processes.

Additional Information

• Works in an environment with six days working and daily reporting requirements.
• Operates within a competitive, dynamic, volatile, and regulated business environment.
• 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.