Deputy Brand Manager
Commercial Bank Of Dubai
Total years of experience :15 years, 1 Months
. Assists manager in efforts to reach profit, performance, and customer service goals.
. Oversees banking services, especially customer service, to ensure excellence contacts or assists customers and prospective customers.
Reviews and manages staffing procedures
.ensuring that staff assignments and responsibilities are reasonable, and that salary structure is equitable.
.Coordinates communication with branch staff.
.Works to meet branch performance standards including operating loss control, bank secrecy, and compliance with policies and procedures.
Oversees and assists with the preparation of all branch reports for approval by manager.
.Attends and participates in periodic staff meetings.
.Manages branch operations when manager is absent.
.Performs other related duties as assigned.
• Focusing exclusively on priority banking clients (deposits \ assets).
• Assist in portfolio growth and profitability of ADIB priority proposition.
• Visit existing clients and meet prospective clients as per agreed sales plan.
• Enhance banks image through using a high level of communication methodology with internal and external customers.
• Handling of client relationships, manage periodic portfolio reviews and efficiently manage their investment requirements.
• Understanding the customer needs and providing appropriate financial solutions.
• Promoting and cross selling personal banking proposition, acquiring new customer base increasing deposit\liability base of the bank.
• Ensure timely completion of sale and other customer related documentation with emphasis on KYC and customer risk assessment process.
• Provide client interaction with value calls.
• Helping to develop and implement a customer service policy for an entire organization.
• Find ways to measure customer satisfactions and improve services.
• Managing team of customer service staff.
• Handling face to face enquires from customers.
• Sell bank products and services to customers to achieve business target.
• Receive and advise customers and non-customers in order to satisfy their needs and build a long term business relationship with them.
• Cross-sell the bank products and services to existing customer to maximize profitability.
• Follow up on delinquent customers to ensure full payment of the overdue amounts to maximize risk exposure.
• Prepare and review all required reports and KYC forms to ensure that all transactions are adhered as per bank policies and procedures.
• Coordinate with all departments of the bank to finalize sales process.
• Handling customers’ complains and quarries to get customer satisfaction.
• Selling Bank products(Personal loans, Auto loans, Mortgage loans, Credit Cards and Deposits)
• Responsible for updating customer data on the system
• Preparing all my reports: Daily, Weekly & Monthly as per the management requirement.
• Offering bank’s products from Credit Cards, Loans, and Deposits.....etc.
• Handling bank’s securities: Cheque books, ATM, Credit Cards……etc.
• Handling customers’ requests, & queries.
• Ensure to achieve my target through phone calls & outdoor calls.
• Responsible for preparing bank letters for the customer: bank statement, liability letter, clearance letter…..etc.
• Handling customers’ complains and quarries in suitable time to get customer satisfaction
•processing cheque, cash and direct debit payments and withdrawals
•setting up and maintaining customers’ accounts
•Promoting and selling financial products and services to customers.
•Using a computerized system to update account details.
•Helping customers manage their funds, answer questions regarding the bank’s products and services; troubleshoot problems related to customer finances and management.
•Cards delivery to the customers (ATM and Credit Card).
•Interviews applicant and requests specified information for loan application.
•Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant’s evaluation.
•Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
•Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
•Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
•Approves loan within specified limits or refers loan to loan committee for approval.
•Ensures loan agreements are complete and accurate according to policy.
•Assures timely loan closing and funding activities.
•Deep understanding of Banking software FINNONE, FLEXCUBE.(BANKING