Banking Associate
Barwa Bank
مجموع سنوات الخبرة :14 years, 6 أشهر
Maintain focus on service, Retail Banking, Shariah, Islamic banking, Investment products.
Responsible for meeting the assigned targets in Retail Banking Products, Personal Finance, Credit Cards, Liabilities and NTBs as per the Job description.
To acquire and maintain a Portfolio of High Net and Ultra high net Individuals.
Proactively manage portfolio of Premier Customer relationships on an ongoing basis provide excellent customer service.
Support Retail Bank and Wealth Management in the continuous improvement of the bank's sales processes and service standards.
Worked in Barwa Bank Retail banking as retail banker.
Visited and Listed small and medium enterprises to offer them Barwa bank financial services
Sourcing companies’ owners or partners for Self Employed Products.
Sourcing Payroll accounts of listed/non-listed companies
To open up companies for payroll relationships and execute payroll accounts.
To increase share of business in accounts with existing payroll contracts.
Ensure 100% cross selling of loan, credit card and other investment products.
To help customize the payroll proposition based on client feedback and in conjunction with the product teams.
Acquisition of new HNW client relationships, maintenance and growth of existing client relationships, Assets, Liabilities and revenue targets.
Providing the customer with investment and wealth management solutions.
To cross sell and refer business to other areas of the bank
Manages high net worth clients by proactively creating and maintaining strong relationships that increase client satisfaction and the sale of products and services.
Proactively develop client relationships, anticipate and provide solutions to client needs and give high priority to client satisfaction, with responsibility for meeting or exceeding agreed performance targets and objectives, particularly those relating to net new money, income generation, product sales and new client growth targets.
Open, close and maintain accounts in accordance with the established procedures. Apply regulatory requirements such as KYC, Money Laundering Prevention procedures at all times.
Accomplish tasks efficiently by showing concern for all aspects of the job, pay attention to detail and ensure that output is delivered at the highest possible standard.
Gives financial advice by educating clients on financial strategies such as investment management, financial planning and deposit services.
Develops and calls upon a meaningful pipeline of prospective new business leads.
Consults with prospective and existing clients to develop an overall financial plan.
Monitors the performance of client accounts and recommends appropriate product offerings to enhance the profitability of the portfolio.
Monitors progress of investment objectives and maintains communication with clients regarding their investments.
Partners with internal subject matter experts to develop cross-sell opportunities.
Ensures compliance with regulations, rules, policies, and procedures.
Carry out other duties as reasonably required by management.
Handle client queries of day to day nature via telephone/fax/post/e-mail. Assist in resolving client problems within the team.
Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance.
Identify business opportunities and target markets
NTB Accounts opening with each new Business Finance.
Average 7 to 8 new Accounts opening.
Maintain Average balances of business accounts as per bank requirement.
Selling SME Business Finance Good Murabaha, LME and Tadawul
Make initial customer contact through visits or calls
Identify each potential customer’s needs
Formulate business proposals according to customers’ business needs
Negotiate Profit rates and finance amounts
Manage account management and expansion activities
Develop new opportunities and close existing ones
Source Business Finance to New and Exciting Customers.
Source PBL, RBL, POS Business across the UAE
NTB Accounts opening with each new Business Finance.
Average 7 to 8 new Accounts opening.
Maintain Average balances of business accounts as per bank requirement.
Analysis of The Audited Financials, Bank Statement and all other necessary documents according to Bank Policies and Procedures.
Calculation of Maximum Exposure and DBR.
Preparation of Business Loan File and Proposal Submit to Head Office.
Getting Necessary Approvals from Credit and Other Department with Respect to Business Segment.
Managing self built Portfolio and Achieving Monthly Targets.
Successfully completed the Trainings regarding SME, Business Banking.
Achieve set sales target continuously from both existing and new clients a balance of which has to be achieved from the assigned region.
Source Business Finance to New and Exciting Customers.
Source PBL, RBL, POS Business across the UAE
NTB Accounts opening with each new Business Finance.
Average 7 to 8 new Accounts opening.
Maintain Average balances of business accounts as per bank requirement.
Analysis of The Audited Financials, Bank Statement and all other necessary documents according to Bank Policies and Procedures.
Calculation of Maximum Exposure and DBR.
Preparation of Business Loan File and Proposal Submit to Head Office.
Getting Necessary Approvals from Credit and Other Department with Respect to Business Segment.
Managing self built Portfolio and Achieving Monthly Targets.
Successfully completed the Trainings regarding SME, Business Banking.
Achieve set sales target continuously from both existing and new clients a balance of which has to be achieved from the assigned region.
Maintaining monthly submissions & targets on daily basis
Cross selling of multi products
Personal Loans, smart loans, auto loans.
Provide information to Manager regarding market updates
Daily checking calls memos and follow-ups.
Help customers during the cards process.
Responsible to implement new changes in product/Process among sales team.
Interact with all cross function units.
Involved in retrieval of documents from other banks.
Major Duties and Responsibilities as a Sales Officer.
Maintaining monthly submissions & targets on daily basis
Cross selling of multi products
Personal Loans, smart loans, auto loans.
Provide information to Manager regarding market updates
Daily checking calls memos and follow-ups.
Help customers during the cards process.
Responsible to implement new changes in product/Process among sales team.
Interact with all cross function units.
Involved in retrieval of documents from other banks.
Major Duties and Responsibilities in Credit/ Disbursement.
Post Disbursing of loans (Personal Loan, Easy Loan, Auto Loans etc.)
Handling all type of loan documents, verifying applications.
Following up with concerned departments/branches for required documents.
Receiving and updating the status of loan applications.
Verifying documents as per the policy of the Bank and forwarding it for disbursement.
Handling all Branch's and Sales inquiries by providing updates of loan applications.
Preparing and providing summary of the bookings done for the month,
No. of applications dealt with, No. of application disbursed and amounts disbursed.
Main course modules were Accounting, Marketing, Business Taxation (Income Tax Law), and Business Communication and report writing