Relationship Officer - Business Loans

Now it’s your time to join the #1 bank in the Middle East and one of the most prestigious financial companies in the region. Shaking up the world of banking requires a lot of smarts and skill. We’re looking for the brightest and best to help us reach our goals and we’ll also help you reach yours. Your success is our success as you grow stronger in your career. Join us and leave a legacy of your own, as a pioneer in both the company and the industry.

JOB PURPOSE:

·       Meet and exceed monthly and annual sales target objectives

·       Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele

·       Do proper analysis of the case and provide all related information of the customer after the field visit is done

·       To be familiar with all policies, products and processes to ensure superior client on boarding experience

·       To proactively participate in Learning, Development  and training programmes of the bank in order to be an effective sales personnel

·       Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

 KEY ACCOUNTABILITIES:

This section shall not be customised to reflect accountabilities which may be unique to one role. Please use Section 5 to capture any accountabilities specific to the role which are over and above those mentioned in this section.

Financial:

 Accomplish set sales and revenue objectives for all Products as per set business plan.

·        Achieve monthly& annual set KPI objectives

·        Focus on New To Bank acquisition along with leveraging existing client base

·        To leverage on cross sell opportunities to ensure higher revenue per customer

·        Maintain Daily Sales Reports on sales performance for review by team leader and manager assets

Customers:

Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience. 

·        Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience

·        To ensure no mis selling to customers by offering products/services transparently as per customer requirements

·        Understand and resolve/escalate  customer redresses to ensure timely resolution

Learning & Growth:

·        To ensure participation in assigned training, Learning & Developemet programmes

·        Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes:

Ensure implementation of prescribed Sales & Compliance processes as per Bank's policies.

Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise within respective Area.

·        Adhere to  Risk Control Assessment  process across all areas of Business Banking Department -  Selling, Client Onboarding,Fraud Control,Client Application & KYC Documentation etc

·        Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all  prescribed processes

·        Ensure to bring quality and right customers to the franchise .

·        Discuss the cases with stake holders and ensure support is provided

Specialist Skills required for the Job:

Core Skills

Technical Skills

·        Leadership & team management

·        Good knowledge of BB products

·        Service quality & customer handling skills

·        Good Computer skills; Excel, word, PP

·        Motivated & Proactive approach

·        Competitive and ability to work in multi cultural environment

·        Ability to develop & strengthen relationship between team & customers

In person, telephone and email to communicate on matters/ reports related to the job.

Team management and key deliverables

JOB KNOWLEDGE, SKILLS AND EXPERIENCE

·        Requires good convincing and Negotiating Skills according to the complexity of business.

·        Continuous suggestions on Changes and ways of improving FAB Products.

·        To build and maintain effective business relationship with all colleagues.

·        Identify any cross Selling opportunity for Other Business Divisions of the Bank

#LI-MM2

QUALIFICATIONS & EXPERIENCE:

Business Loans experience is a must

Education required : University Degree / MBA / PGDM / Sales diploma or certification preferable.

Experience : 3 – 5  years of experience in Banking  or in a Financial Industry