Relationship Banker- Loan DST

Mashreq Bank
JOB DESCRIPTION 1
Job Title: Senior Relationship Banker – Personal Loans
Department: Direct Sales
Direct Supervisor: Team Leader/Sales Manager
Job Number
Grade: I
2 JOB PURPOSE
Sell entire range of personal banking products to potential retail prospects & to maintain strong relationships with existing clients of the bank. 3 DIMENSIONS Operating Expense Budget NA Number of Staff NA Capital Exp. Budget NA Revenues 4 KEY RESULT AREAS
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Achieve monthly sales targets in the financial year.
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Prospect in targeted segments that require meeting standards in phone calls, and face-to-face visits.
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Present and sell all personal banking products & services to potential customers in an ethical structured & professional manner.
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Conducting micro marketing activities that include Kiosk activities and other direct marketing activities.
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Handling objections with a view to getting the customer to buy or company to transfer payroll.
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Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
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Ensure strict compliance with the Bank’s policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
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Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
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Participate in all Team Activities like morning huddles, training and coaching, complete mandatory compliance and fraud trainings, Lean & rewards celebrations.
Ensure the highest ethics, standards and integrity are followed and immediately escalate any suspected or actual breaches to Senior Management, Governance, as may be required. 5 Operating Environment, Framework and Boundaries, Working Relationships
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Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
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The job holder will be operating within well-defined and demarcated business areas and is required to adhere to the policies and guidelines set out in the Bank’s Credit Policy Manual.
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Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
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Works in an environment of daily reporting with six days working. 6 PROBLEM SOLVING
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Sales require understanding customers’ individual financial circumstances.
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Responsible for assisting staff and customers in achieving their goals and objectives. 7 DECISION MAKING AUTHORITY & RESPONSIBILITY
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Responsible for honestly assisting the customer in achieving his objectives through courteous and friendly service, accurate promises keeping within the service delivery standards set by the bank.
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Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
Classification: Internal Use
8 KNOWLEDGE, SKILLS AND EXPERIENCE
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Sales profile that require confidence, persistence, personality and verbal written
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Basic knowledge of products, service policies and processes of Retail Banking.
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Graduate from any discipline with 2 years banking sales experience