Relationship Banker- Loan DST

Job TitleSenior Relationship Banker – Personal LoansCompanyMashreq BankDepartmentDirect SalesGradeIJob PurposeSell entire range of personal banking products to potential retail prospects and maintain strong relationships with existing clients of the bank.Key Result AreasAchieve 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 and services to potential customers in an ethical, structured and professional manner.Conduct micro marketing activities that include kiosk activities and other direct marketing activities.Handle 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 escalate any suspected or actual breaches to Senior Management, Governance, as may be required.Operating Environment, Framework and Boundaries, Working RelationshipsCompetitive, 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 liaise with superiors and direct reports within the business unit to achieve business objectives. Works in an environment of daily reporting with six days working.Problem SolvingSales require understanding customers’ individual financial circumstances. Responsible for assisting staff and customers in achieving their goals and objectives.Decision Making Authority & ResponsibilityResponsible 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 and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.Knowledge, Skills and ExperienceSales profile that requires confidence, persistence, personality and verbal written skills.Basic knowledge of products, service policies and processes of Retail Banking.Graduate from any discipline with 2 years banking sales experience.#J-18808-Ljbffr