Sales and Service Officer
Mashreq Bank
مجموع سنوات الخبرة :18 years, 8 أشهر
To deliver superior customer service and achieve monthly target in retail ( Credit card, personal loans, Mortgage loans, auto loan, payroll, Term deposit, current account, saving account, premier account and bancassurance ) -Establish business connections, attract potential clients and sees for the maximization of the branch retail market share while cross selling all banking products(including corporate) -Receives and checks documentation for issuing debit and credit cards and performs all related activities in the system -Receives and checks (Retail) loan applications and all the necessary documents including the required collaterals in accordance with the bank’s procedures -Verify that potential customer satisfy all criteria required of a 'desired customer profile' as outlined by the bank.
-To deliver superior customer service and achieve monthly target in retail ( Credit card, personal loans, Mortgage loans, auto loan, payroll, Term deposit, current account, saving account, premier account and bancassurance )
-Establish business connections, attract potential clients and sees for the maximization of the branch retail market share while cross selling all banking products(including corporate)
-Receives and checks documentation for issuing debit and credit cards and performs all related activities in the system
-Receives and checks (Retail) loan applications and all the necessary documents including the required collaterals in accordance with the bank’s procedures
-Verify that potential customer satisfy all criteria required of a 'desired customer profile' as outlined by the bank.
-Customer relationship management
-Plan and carry out marketing activities for banking products
-To provide & maintain, on an ongoing basis, a daily sales report, figures, forecasting & any other records which may be required by the Team Leader/Cluster Head to keep up-to-date records of sales & performance.
-Understanding the needs of the end customer & providing appropriate financial solutions
-Handling of Relationship to aid customer for all his wealth requirements.
-To ensure customer documentation is complete & in compliance with the bank’s requirements.
-To help coordinators resolve discrepancies associated to customer documentation
-To visit existing clients at least once in 3 months.
-To meet minimum 3 new prospective clients per day
-Provide client interaction with value calls
-Leading the branch sales and service team to deliver superior customer service and achieve monthly target in retail and corporate products ( Credit card, personal loans, Business loan, auto loan, payroll, Term deposit, Certificate of deposit, interest bearing current account, saving account, premier account, LC, LG, Workin capital finance and bancassurance )
-Establish business connections, attract potential clients and sees for the maximization of the branch retail market share while cross selling all banking products(including corporate)
-Receives and checks documentation for issuing debit and credit cards and performs all related activities in the system
-Receives and checks (Retail) loan applications and all the necessary documents including the required collaterals in accordance with the bank’s procedures
-Verify that potential customer satisfy all criteria required of a 'desired customer profile' as outlined by the bank.
-Follows up the proper servicing of the loan until maturity
*to sell personal loans to specified target segment & meet monthly sales targets
*to ensure that prospects are communicated clearly about the bank charges/terms and conditions
*to ensure that code of conduct is followed and is as per the banks policy
*to ensure that all documents provided by the customer for completion of the personal loans applications are duly checked and forwarded to the relevant bank officers.
*to ensure that the sales process prescribed by the bank is fully adhered to.
*generate a list of prospects(individuals and wholesale/companies)in the territory.
identify potential customers through databases, follow up leads & telephone/personal contacts.
*verify that potential customer satisfy all criteria required of a 'desired customer profile' as outlined by the bank.
*to contact potential customers and convince them about the benefits of the bank's product.
to source applications from segments as per targets set for the perioud, complete with all necessary documents.
-Presenting financial products (credit cards, personal loans, auto loans and payroll) to clients using procedures and techniques explained in the break-in-training program.
-Ensure delivering of correctly filled application together with all necessary documents
-Continuously generating prospect customer list to be fed into the system.
-Work hard on achieving all given business targets by direct manager.
-Use all company resources and equipment in a proper economic and efficient manner.
-Operating at all times with the highest standards of personal integrity.
-Adhere to the designated proper business attire.
1- Presenting financial products (Credit card) to clients using procedures and techniques explained in the break-in-training program.
2- Ensure delivering of correctly filled application together with all necessary documents
3- Continuously generating prospect customer list to be fed into the system.
4- Work hard on achieving all given business targets by direct manager.
5- Use all company resources and equipment in a proper economic and efficient manner.
6- Operating at all times with the highest standards of personal integrity.
7- Adhere to the designated proper business attire.
-Accounting -Economics -Finance -Marketing -Organizational behaviour -Project management -Strategic planning -Credit risk management -Derivatives -Financial risk management -Quantitative methods
-Ethical and professional standard -Quantitative method -Economic analysis -Financial statement analysis -Corporate finance -Portfolio management -Markets and instruments -Equity investment -Fixed income investment -Derivative investment -Alternative investment
-Introduction to finance and accounting -Economic, industry and financial statement analysis -Lending rationales (Asset conversion cycle) -Cash flow mechanics & lending -Corporate banking lending techniques, Credit follow up & Problem loans -Project finance & Syndication -Legal aspects of credit -Quantitative analysis -Credit risk management & Basel II -Trade finance -Marketing and selling banking credit services