Officer - Sales and Service
Dubai Islamic Bank
مجموع سنوات الخبرة :12 years, 7 أشهر
• Performing Compliance Enhanced Due Diligence against individuals and corporate
• Compliance AML Investigating via KYC/FATCA i.e: Sanctions, Increased Risk, and PEP
• Handling Exit Relationship of accounts.
• Steering annual operational branch audits and conducting internal branch pre-audits.
• Assuring business operations excellence by identifying processes gaps
• Moving customer transactions from branches to electronic channels for cost reduction
1. Business Growth
• Ensure the achievement of targets assigned by the branch manager by conducting phone calls, cross selling and referrals.
• Migrate customer transactions from the branches to low cost electronic channels to ensure reduced cost for branch operations.
2. Customer Service
• Provide customers with component, timely and error free services in the area of account opening and account management (Assets & Liability products, after sales…etc) to ensure high levels of service and customer satisfaction.
• Consistently meet and exceed service standards set for the customer services.
• Guide customers regarding the right product to meet their needs and promote and cross-sell other products and services to existing customers, generate product leads from walk-in/potential customers through interactions and dissemination of product and service information.
3. Service Quality & Business Operations Control
• Adherence to all established bank’s policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality and low level of operational risk.
• Assist in compiling MIS reports and report any discrepancies to immediate supervisor to ensure accurate service delivery to customers.
4. Internal Process
• To ensure that all transactions are processed as per the compliance rules and regulations and maintain effective due diligence on the customers before proceeding with any facilities.
• To assist and participate in any branch projects (Service Quality Programs, Process changes, Sales…etc)
• Follow up on various cases with all the concerned stakeholders such as customers, internal bank’s departments in order to ensure 100% closing mandates.
• Responsible of custodianship of securities as assigned by the branch manager.
5. Training & Development
• Attend various training and learning programs to close the skill gaps and to ensure proper awareness about DIB products.
• Maintain effective relationship with supervisors and peers to ensure
•Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
•Meet with applicants to obtain information for loan applications and to answer questions about the process.
•Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
•Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
•Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
•Review loan agreements to ensure that they are complete and accurate according to policy.
•Compute payment schedules.
•Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
•Submit applications to credit analysts for verification and recommendation.
•Handle customer complaints and take appropriate action to resolve them.
•Work with clients to identify their financial goals and to find ways of reaching those goals.
•Negotiate payment arrangements with customers who have delinquent loans.
•Supervise loan personnel.
•Reports to the sales manager regarding objectives, reviews, analyses, and planned activities
•Review sales statistics and actions to determine how to better utilize time, plan more effectively, and improve sales
•Attends training and sales meetings offered by the dealership.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Review loan agreements to ensure that they are complete and accurate according to policy.
Compute payment schedules.
Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
Submit applications to credit analysts for verification and recommendation.
Handle customer complaints and take appropriate action to resolve them.
Work with clients to identify their financial goals and to find ways of reaching those goals.
Negotiate payment arrangements with customers who have delinquent loans.
Supervise loan personnel.
Bachelor Degree in Business Economy with an average of (2.82 out of 4) Rating: (Good).