Small business Loan Coordinator (SME Assets)SBL Sales Coordinator
Mashreq Bank
Total years of experience :17 years, 11 Months
December 2011 to till now: Mashreq Bank Abu Dhabi U.A.E
Small business Loan Coordinator (SME Assets)
• Responsible to maintain the MIS for AUH region to ensure the accurate business information.
• Pre scan all applications to ensure the credit eligibility & complete documentation as per policy.
• Coordinate with Credit department for quick approvals for the entire business of the region.
• Coordinate with operations to ensure on time booking for approved cases.
• Prepare monthly and quarterly reports to analyze & discuss the performance of the region with management to sort out the drawbacks and appropriate measures for business improvement.
• Reviewing legal documents like trade license, chamber of commerce certificate, power of
Attorney, MOA and other relevant documents.
• Generate central bank risk reports for subject matters and ensure other necessary checks.
• Calculate turnover, average balance and ratios, to verify eligibility and loan amount.
• Analysis of credit profile of the customer as per credit policies lay down by the bank regulators.
• Assisting Sales Manager regarding team sales, target handling, performance reports and training of 20 DSRs on day to day basis.
• Ensuring clean and quality business for the bank in the UAE market of more than hundred nationalities.
• Achieve targeted sales numbers for New to Bank SME liabilities relationships.
• Control daily activity i.e. calls appointments, Meetings, Closures, References, Acquisition reports of daily sales appointments.
• Adhere to all policies with regards to KYC/AML as set out by the Bank firm time to time.
• Achieve targeted sales numbers and balances at 1 MOB for the product and support implemention of sales campaigns etc.
• Update Team Leaders on the lead conversion ration of his team members.
• Support Assistant Team Leaders in achieving business plan and day to day activities.
• Provide complete SME account application to minimize operation turn around time.
• With compliance to achieve a minimum error rate on KYC.
• Constant information to keep track of market situation.
• Day to day focus on sales, mentoring to meet sale needs and requirements.
• Managing portfolio of key accounts and giving feedback to manage accounts on weekly basis.
• Coordinating with designated branches for quality service delivery.
• Cross sell other business banking product i.e. Letter of credit (LC), Local bill discounting (LBD), Trust receipt (TR) finance and other related trade finance services.
• Handling and resolving customer complaints and queries for branch banking and different products like credit card, small business and personal loans, trade working capital, bank guarantees, letter of credit, online banking
• Having day to day corporate meetings with the financial controller of companies regarding payroll, salary transfers and financial services for the company staff from the bank.
• Finding new markets and promoting bank services regarding Account, salary transfers, internet banking and credit cards.
• Handling and resolving errors and complaints in new business with credit processing department towards the customers.
• Soliciting new business in premium credit card for the bank.
• Giving feed back of the customers to the bank regarding development in product and services towards customers and in the interest of the bank.
• Meet and exceed monthly targets.
1. Giving full information to the customers for the all banking products like
PERSONAL LOAN: Personal loan calculation, odd day’s interest, deferment process and charges. Bank charges in terms of Liability letter, early settlement of loan and liability letter charges and its process details.
CREDIT CARD: Credit card features and its payment schedule.
AUTO LOAN & OTHER SEVICES: Auto loans details, bank statements, and early settlement of loans .Credit card closure procedures. Giving information for the opening Accounts like corporate account, current account, saving account, dummy account and pay roll account features. Dealing with the other banks in terms of accepting cheque for the settlement of loans and the delivery of cheque to buyout the loans.
2. Under taking sales calls from prospective clients and giving them full product information. Preparing the application form with supporting documents and submitting the application which fulfils the requirement,
3. Visiting the market regarding listing of the good profile companies.
4. Regularly visiting the listed companies and maintain good relation with their management, always updating the bank management regarding the development, termination (employees) for these companies.
5. Preparing weekly and monthly reports.
i did mba in marketing so i know all aspects of business