Team leader
ADIB
Total years of experience :15 years, 9 Months
• Reporting to sales manager and deputy sales head
• Handling team to 12 sales executives
• Allocating sales tasks to staff, ensuring their performances.
• Selling banking / financial products and providing advisory services regarding Goods Murabaha (Supplier financing facility), Fixed Assets Financing and Tadawal (cash loan through shares buying and selling) and NBC.
• Manage existing portfolio of SME customers over 400 Million, bring new business from positive and profit making industries and providing financing solution based on their needs and act as their relationship banker.
• Responsible in managing and increasing bank’s existing deposit portfolio to avail benefits on other products..
• Networking and building new relationships to pre-set financials ad non-financials objectives.
• Maximizing cooperate revenue while maintaining risk at an acceptable level.
• Controlled risk involved in credit applications and maintained credit documents.
• Visit clients to understand their business module, verifying business documents, market feedback etc. and Prepare call visit report and call point verification along with sales executive.
• Conduct financial needs analysis and recommends appropriate product to meet client’s needs.
• Referring other products like auto, personal loans, emerging cooperate to concerned department with initial details from client to get a wide knowledge about other products.
• Undertake credit evaluation and preparation of detailed credit proposals.
• Interpret and analyze financial statement, balance sheet and cash flows to understand business module from risk point of view.
• Resolve complaints and providing customer information in a timely manner.
• Analyzed applicant financial status and liability evaluation to determine the feasibility of granting loan and submit application in credit for verification and recommendation.
• Check the customer and company status through CBRB, CRR, CB and Legal Reports.
• Inspect physical goods at supplier premises which need to deliver Customer and get sign LPO.
• Visit credit department to solve the discrepancies if required.
• Mostly emphasis on sales after service which is the key to make strong relation between bank and customer.
• Focused on client engagement and business development activities.
• Search new customers through physical visit through market and generate revenue for bank.
• Developed long-term sustainable relationships with corporate and business unit executives for constant sales growth.
• Selling banking / financial products and providing advisory services regarding personal/business Loan, loan against Gold, Payroll & more focused in managing sales and getting the credit for the sales made.
• Loan on point of sale machine (POS) “Merchant Loan”
• Analyzed applicant financial status and liability evaluation to determine the feasibility of granting loan and submit application in credit for verification and recommendation.
• Actively participates in the solicitation of lending business and cross selling of products to customer.
• Analyzes the prospective loan request for previous credit and current financial obligations.
• Organized and maintain sales contacts, and other reports throughout whole loan process.
• Participated in a variety of special projects as requested, including explorations of system or process improvements, new retention, categories and joint projects with customer service.
• Opening current accounts for compay with details KYC (personal and business) with compliance check and convince customer after to use it as primary bank account.
• I have a strongly belief to give, quality business instead quantity, to my bank.
Main Achievements
• Silver Member
The qualification to become a silver member a sales persons have to do 6 consecutive million in 6 month so I become a silver member.
• Sri lanka Contest
To become eligible for this contest minimum requirement was 4 million in three months but top three from each branch so we were 18 people all together who qualify the same contest.
• Analyzing the financial capabilities of clients for providing them financial assistance in various Banking Products.
• Search new customers through physical visit through market and generate revenue for bank.
• Cross-selling wide variety of financial products of the bank and also ensuring banking ease for the clients through - Direct Banking Channels.
• Selling banking / financial products and providing advisory services regarding Loan, Payroll & more focused in managing sales and getting the credit for the sales made.
• I used to sell all insurance products like individual, Term insurance, Medical insurance, Group insurance through using my sales contacts.
• More emphasize on wealth management to create investment for bank to increase its credit range and make profit.
• Opening business accounts, selling credit cards and personal loan.
• Check the customer profile through Vectus, Osoolsys, Banksys, Select and Humming bird while he has any delinquency with us or not especially to check the fraudulent customer with our bank.
• Having a complete knowledge about all banking products.
• Having capability to solve the queries of customers effectively.
Achievements
• Best performer in my probationer period in current year with close a business of 4.2 Millions.
• Successfully closed deals of 22.5 Million AED with various Personal Loans and business loans.
• Generated an income of more than 20 Million AED for Mashreq bank in some other departments through using my contacts in wealth management and fix deposits.
• Rewarded as Head of RBG in Oct, 2008 and Aug, 2009 in Pan UAE.
• Highest number in a month with 1.6 Million in 2008 and 1.9 in 2009.
• Consecutive 7 million in a year 2009.
• I used to handle customer’s queries for my colleagues and giving the right knowledge.
• Reporting to Managing Director.
• Attend to branch visitors.
• Arrange products according to customer’s demands and suggest them accordingly.
• Answer customer inquiries with regards products specification, pricing, and features.
• Check the junior’s activities and trained them accordingly.
• Keep records of customer information for customer call reports.
• Stamp, mark or tag prices on products as required.
• To handle customers queries about products.
• Demonstrate products in accordance with procedures.
• Register sales, and deliver cash to cashier on daily basis.
• File all cash receipts along with product sale invoices copy.
• Negotiate and finalize sales with corporate customers to maximize sale.
• Make daily, weekly, monthly sales reports.
• Managing team leaders and all sales force.
• Planning and target setting for the agents sales team.
• Formulating sales strategies for sifferent products and achieving targets.
• Recruitement and management of agency channel team members.
• Training, motivatingand developement of team members
• Selling all products like life, term, investment and medical insurance at individula, family and group level.
• Overview sales performances on monthly, quarterly, semi and yearly basis.
• Meet potential clients (HNI) and gave detailed information about the features and advantages of policies offered.
• Developed and maintained relationships with current customers and provided service and maintenance of renewal policies.
• Ensured appropriate follow-up with members and clients to gain necessary information.
• Keeping detailed records of each and every policy.
• Making research on the various insurance companies and insurance policies
to make my plans more authentic.
i have done my Bachelor's degree in commerce, where i have studied Accounting, economics, marketing, statistics, income tax so that i can carry any of these subject in my professional study.