Relationship Banker- Loan DST

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Mashreq is hiring a Senior Relationship Banker for Personal Loans to sell personal banking products, meet monthly targets, and build client relationships. The role requires prospecting in targeted segments, presenting products ethically, conducting micro marketing, and handling objections to close sales while ensuring end-to-end TAT and strict KYC AML FATCA compliance. You’ll log activities in CRM, participate in team coaching, and uphold high ethics in a fast, regulated UAE environment with a six-day work week. Ideal candidates have about 2 years of banking sales experience, strong communication and negotiation skills, and solid product knowledge. To apply, tailor your resume to show measurable targets, CRM proficiency, and compliance discipline, and provide examples of objection handling and end-to-end process delivery.

Job Title: Senior Relationship Banker – Personal Loans
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
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Achieve monthly sales targets in the financial year.
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Prospect in targeted segments that require meeting standards in phone calls, and face-to-face visits.
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Present and sell all personal banking products & services to potential customers in an ethical structured & professional manner.
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Conducting micro marketing activities that include Kiosk activities and other direct marketing activities.
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Handling objections with a view to getting the customer to buy or company to transfer payroll.
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Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
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Ensure strict compliance with the Bank’s policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
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Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
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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. 5 Operating Environment, Framework and Boundaries, Working Relationships
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Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
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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.
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Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
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Works in an environment of daily reporting with six days working. 6 PROBLEM SOLVING
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Sales require understanding customers’ individual financial circumstances.
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Responsible for assisting staff and customers in achieving their goals and objectives. 7 DECISION MAKING AUTHORITY & RESPONSIBILITY
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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.
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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
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Sales profile that require confidence, persistence, personality and verbal written
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Basic knowledge of products, service policies and processes of Retail Banking.
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Graduate from any discipline with 2 years banking sales experience 9 BEHAVIORAL COMPETENCY
COMPETENCY LEVEL (1 – 4)
(1-BASIC 4- SR. MANAGERIAL)
COMMITTED TO RESULT
2
COMMUNICATION SKILLS
1
INFLUENCING & NEGOTIATION SKILLS
1
CUSTOMER FOCUS
1
ATTENTION TO QUALITY AND DETAIL
2