Branch Sales Executive - Sharjah and NE Region (Outsource)

ADIB - Abu Dhabi Islamic Bank; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial institution in Dubai is seeking a candidate to manage credit applications, execute Murabaha contracts, and ensure compliance with banking regulations. Candidates should possess strong knowledge of UAE banking practices and maintain good relationships with colleagues and customers. This role emphasizes accuracy, customer service, and proactive sales initiatives.

Responsibilities

• Prepare and review Standard Credit Application.
• Ensure accuracy of submitted applications.
• Follow the approval process.
• Execute Murabaha contract with customers.
• Maintain a good rapport with peers.
• Participate in assigned promotional activities.
• Initiate cross-selling of banking products.
• Escalate customer complaints promptly.

Skills

Knowledge of ADIB's PF and other RBG products

Service standards

Sales skills

Computer skills

UAE banking practices

Regulations by Central Bank of UAE

Competitors in the local market

Job description

Responsibilities

• Prepare and review Standard Credit Application and ensure all information provided are accurate and ensure authenticity of the critical documents (, Cheque, Copies of : Bank Statement, Passport, Emirates ID, Salary certificate etc.) prior sending to PU for processing.
• To ensure that all applications submitted are error free and rectify the error in case of any.
• Follow the approval process and elevate the delay to BM / OSM, if any.
• Execute Murabaha contract with the customer representing ADIB, and prepare the file as per the check list, forward card allocation for card issuance through the coordinators within 24 hours of completing signing formalities with customer.
• Check the PF disbursement and notify the BM / OSM in case of delay at Card center end.
• To maintain a good rapport with Inter-department / peers by ensuring a smooth flow of business.
• To participate in activities assigned by your BM / OSM / line manager during promotions.
• Initiate cross-sell other banking products on best efforts basis (when required).
• Escalate customer complaints to the supervisor level immediately, if any.

Specialist Skills / Technical Knowledge Required for this role

• Broad knowledge of ADIB's PF and other RBG products & services.
• Fair knowledge of service standards, Sales skills and computer skills.
• Good Knowledge of UAE banking practices, regulations & risks.
• Thorough Knowledge of all the Regulations issued by Central Bank of UAE.
• General awareness of competitors in the local market.

Job ID 300002061134011