Relationship Banker- Loan DST

Mashreq Corporate & Investment Banking Group; United Arab Emirates; On-site; AED 120,000 - 180,000; Full time

Job summary

Mashreq Bank is seeking a Senior Relationship Banker for Personal Loans to grow our retail loan portfolio. The role focuses on selling the full range of personal banking products to prospects and maintaining strong relationships with existing clients.

It requires confidence, persistence and excellent communication to meet targets. You will operate within Direct Sales, adhering to KYC, AML and policy standards while maintaining CRM records and contributing to team initiatives and compliance

Qualifications

• Graduate from any discipline with 2 years banking sales experience.
• Basic knowledge of Retail Banking products and policies.
• Strong sales skills with confidence, persistence and good communication.

Responsibilities

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments with phone calls and face-to-face visits.
• Present and sell personal banking products to customers ethically and professionally.
• Record sales activities in CRM and update daily sales reports.
• Participate in team activities, training and compliance programs.

Skills

Confidence

Persistence

Personality

Verbal communication

Education

Graduate from any discipline

Job description

Job Description 1

Job Title: Senior Relationship Banker - Personal Loans

Mashreq Bank

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

• 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 & services to potential customers in an ethical structured & professional manner.
• Conducting micro marketing activities that include Kiosk activities and other direct marketing activities.
• Handling objections with a view to getting the customer to buy or company to transfer payroll.
• Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
• Ensure strict compliance with the Bank’s policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
• 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 raise any suspected or actual breaches to Senior Management, Governance, as may be required.

5 Operating Environment, Framework and Boundaries, Working Relationships

Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.

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.

Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.

Works in an environment of daily reporting with six days working.

6 PROBLEM SOLVING

Sales require understanding customers' individual financial circumstances.

Responsible for assisting staff and customers in achieving their goals and objectives.

7 DECISION MAKING AUTHORITY & RESPONSIBILITY

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.

Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.

8 Knowledge, Skills And Experience

Sales profile that require confidence, persistence, personality and verbal written

Basic knowledge of products, service policies and processes of Retail Banking.

Graduate from any discipline with 2 years banking sales experience