- Source new business volumes through various sales activities for SME Asset Team specializing in secured loans such SSBL , LAP and Lease rental discounting.
- Sourcing NTB asset clients for secure loans
- End to End Sales (self-closure)
- Managing mortgage channel partners to generate asset business
- Self-sourcing new loan applications and prepare Credit proposals
- Portfolio management
- Cross sell Insurance products
Relationship management
- Work closely with Relationship Management team/Business Development Officers and Unit Managers/Heads to identify desired service levels.
- Work on projects with Client Experience Manager or Governance as required to improve and standardize overall client services across all channels and contribute to developing and implement agreed actions
- Ensure smooth flow of all applications and requests including account opening and ownership of discrepant cases from sales channels.
- Provide regular feedback to Product Managers on process / service-related issues.
- Meeting the service standards and turnaround time’s outline with SLA.
Risk management and Governance
- Assist the Relationship Management team/Business Development Officers to conduct proper KYC and fulfil the compliance requirement on KYC, and other regulated activities such as pertaining to Asset/Liabilities/insurance and investment.
- Actively participate and contribute to reduce Rejects and Referrals on all products sourced by Relationship Management team/Business Development Officers, by acting as a checker and providing feedback.
- Ensure expired and overdue KYC, Visa, Passport, Emirates are updated on a timely basis.
- Represent BDU Business Banking in liaising with audit for operational issues/ working with Relationship Management team/Business Development Officers in rectifying all audit objections and queries.
- Ensure excellent quality of KYC is maintained on all clients including regular annual reviews of facilities/turnover and nature of transactions. Pending reviews to be completed on a priority basis.
- Conduct regular reviews for the smooth functioning of SLAs and operational standards. Initiate necessary amendments as and when required.
Administration & Reporting
- Ensure client records and transactions are recorded/processed on the system in a timely/accurate manner.
- Ensure effective handling of customer complaints/inquiries for Mashreq BDU Business Banking Clients.
- Monitor customer feedback to ensure Mashreq BDU Business Banking standards are met at all levels.
Governance and Audit
- Support Relationship Management team/Business Development Officers with KYC, FATCA updatation and to have updated client information.
- Assist with effective implementation of all audit recommendations and procedures as advised by Senior Management
- Refer all matters of non-routine nature to appropriate superiors.
- To monitor the authenticity of the applications and other credit facilities by pre-screening and process where applicable the applications / requests effectively ensuring that all financial and non-financial parameters are adhered with proper signoff at every stage.
- Identify anomalies in lodgment, pledging or withdrawal process and highlighting such anomalies to the unit management for onward follow-up / procedural change.
- Thorough knowledge of products, services policies and processes of retail banking in Mashreq bank.
- The job holder will have to possess the following skills:
- Problem solving skills.
- Communication skills.
- Interpersonal skills.
- Ability to work under pressure.
- Computer literacy.
The job holder should have completed his high school, university graduates are better to have. They should have 2-3 years banking experience or experience in any other.
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