Relationship Banker- Loan DST

Mashreq Careers; United Arab Emirates; On-site; AED 67,000 - 112,000; Full time

Job summary

Mashreq Careers in United Arab Emirates is seeking a target-driven Sales Professional to achieve monthly sales targets and to present a full range of personal banking products to customers. You will prospect in targeted segments, conduct micro marketing activities, handle objections, ensure end-to-end TAT, and maintain compliance with KYC and AML policies while delivering ethical, professional service.

You will require a graduate from any discipline with 2 years of banking sales experience, with

Qualifications

• Sales profile requiring confidence, persistence, personality and verbal written
• Basic knowledge of retail banking products and service policies
• Graduate from any discipline with 2 years banking sales experience

Responsibilities

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments requiring 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.
• Conduct micro marketing activities including kiosk activities and direct marketing.
• Handle objections to secure sales or payroll transfers.
• Ensure end-to-end customer TAT is met with quality adherence to guidelines.

Skills

Confidence

Persistence

Personality

Verbal/written communication

Education

Graduate from any discipline

Job description

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 escalates 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.

Classification: Internal Use

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