Relationship Banker - Loan DST

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Mashreq is hiring a Relationship Banker - Loan DST in the United Arab Emirates for a full-time onsite role. The position emphasizes achieving monthly sales targets by prospecting targeted segments, presenting personal banking products in an ethical, professional manner, and driving end-to-end loan applications with strict adherence to KYC, FATCA and AML CTF requirements. You will log activities in CRM, participate in team training, and escalate any breaches to management. The ideal candidate has a graduate degree and about two years of banking sales experience, plus strong communication and objection handling skills. To apply, highlight concrete sales results, regulatory knowledge, CRM proficiency, and a track record of compliant, customer-focused service.

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 escalate 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