Relationship Banker - Loan DST

Mashreqbank PSC; United Arab Emirates; On-site; AED 120,000 - 200,000; Full time

Job summary

A prominent banking institution in the United Arab Emirates is seeking a Sales Representative to deliver personal banking products to new customers and nurture existing client relationships. The ideal candidate will have at least 2 years of banking sales experience and possess strong sales skills. Responsibilities include achieving sales targets, conducting marketing activities, and ensuring compliance with banking policies. This role is pivotal in maintaining the financial health of clients through personalized service.

Qualifications

• Minimum 2 years of banking sales experience.
• Basic knowledge of retail banking products and policies.

Responsibilities

• Achieve monthly sales targets.
• Prospect potential customers through calls and visits.
• Present and sell personal banking products ethically.
• Conduct micro marketing activities.
• Ensure end-to-end customer turnaround time is met.

Skills

Sales confidence

Persistence

Verbal communication

Written communication

Education

Graduate from any discipline

Job description

Sell entire range of personal banking products to potential retail prospects & to maintain strong relationships with existing clients of the bank.

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 elevate any suspected or actual breaches to Senior Management, Governance, as may be required.

PROBLEM SOLVING

• Sales require understanding customers’ individual financial circumstances.
• Responsible for assisting staff and customers in achieving their goals and objectives.

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.

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