Home Finance advisor

Organization Unit Purpose

Objective

• To achieve allocated targets for acquisition of Home Finance Business.
• To bring new customers to the bank as per allocated targets
• To ensure timely and quality service for customers as per the defined service levels and turnaround time.

Job Purpose

• Responsible for selling Home Finance products. 
• Meet with applicants to obtain information for loan applications and answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations, to determine feasibility of granting finance.
• Explain to customers the distinct types of finance and credit options that are available, as well as the terms of these services.
• Obtain and compile copies of finance applicants' credit histories, corporate financial statements, and other financial information.

Job Content

• Sales Targets: Achieve individual sales targets to meet the expected sales volumes.
• Cross Selling: Achieve cross selling targets of non-assigned products and services to contribute to the revenues and market presence.
• Sales Input: Provide market / competitor intelligence and customer feedback for formulating and updating sales plans.
• Product Awareness: Create and build customer awareness on new products through mailers, events etc. to prospect business.
• Internal – Compliance: 
• Ensure that team meets all KYC and anti-money laundering requirements and track their ongoing compliance.
• Strict adherence to SOP's.
• Minimal risk rating by internal audit
• 100% control of documentation and detection of fraudulent activity
• Documentation process complies with Shari'a guidelines.

Person Specifications:

Education         

• Bachelor’s degree holder

Experiences

• Candidate should have a minimum of 2 years of experience in Home Finance sales.
• Experience in UAE banking sales is essential.
• Develop new markets and customers within the assigned territory to enhance sales volumes

Behavioral Competencies

• Excellent cross-selling abilities
• Excellent communication skills
• Client Centric 

Location

• Candidates must be flexible and willing to work in Dubai.

ENBD

Emirates NBD, the leading Banking Group in the MENAT region, was formed on 19 June 1963, when H.H. Late Sheikh Rashid bin Saeed Al Maktoum signed the Charter of Incorporation of the National Bank of Dubai (NBD) which became the first National Bank established in Dubai and the United Arab Emirates (UAE). With the blessings of H.H. Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai, NBD merged with Emirates Bank International (EBI) on 06 March 2007, to form Emirates NBD, the largest banking group in the region by assets. On 16 October 2007, the shares of Emirates NBD were officially listed on the Dubai Financial Market (DFM). The merger between EBI and NBD to create Emirates NBD, became a regional consolidation blueprint for the banking and finance sector as it combined the second and fourth largest banks in the UAE to form a banking champion capable of delivering enhanced value across Corporate, Retail, Islamic, Investment, and Private Banking, Global Markets & Treasury, Asset Management and Brokerage operations throughout the region.