Relationship Banker- Loan DST

Role Overview

Relationship Banker - Loan DST at Mashreq, working in a personal banking sales and customer relationship capacity.

Role Purpose

Drive sales of personal banking products and services to prospective customers while ensuring strict regulatory compliance, managing customer relationships end-to-end, and meeting monthly sales targets within a competitive banking environment.

Key Responsibilities

Sales & Business Development

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments through phone calls and face-to-face visits meeting established standards.
• Present and sell all personal banking products and services to potential customers in an ethical, structured, and professional manner.
• Conduct micro marketing activities including Kiosk activities and other direct marketing initiatives.
• Handle customer objections with a view to securing purchases or company payroll transfers.
• Record all sales activities in Daily Sales Reports and update CRM with leads and contacts.

Customer Service & Operations

• Ensure End-To-End customer turnaround time (TAT) is met for all applications submitted with quality adherence as per target guidelines.
• Assist staff and customers in achieving their financial goals and objectives.
• Provide honest and courteous customer service with accurate promise-keeping within bank service delivery standards.
• Maintain complete product and policy information to ensure customers provide necessary documents before submission for smooth TAT.

Compliance & Risk Management

• Ensure strict compliance with the Bank's policy regarding product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Escalate any suspected or actual breaches of ethics, standards and integrity immediately to Senior Management and Governance as required.
• Maintain the highest ethics, standards and integrity at all times.

Engagement & Development

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

Qualifications & Experience

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

Skills & Competencies

• Sales profile requiring confidence, persistence, personality, and verbal and written communication skills.
• Basic knowledge of retail banking products, service policies and processes.
• Understanding of individual customer financial circumstances.

Additional Information

• Works in a competitive, dynamic, volatile and regulated business environment.
• Operating within well-defined and demarcated business areas; must adhere to policies and guidelines in the Bank's Credit Policy Manual.
• Daily reporting environment with six days working.
• Must effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.