Personal Banker

Job description / Role

The job holder is accountable for opening and maintenance of customer accounts, preparing proposals related to Loans & Cards & ensuring the delivery of quality service to customers and achieving product sales targets.

- Achieve assigned product sales & other targets through external visits as well as by cross-selling to walk in/existing customers.
- Identify and map the target market within the branch area to effectively contact and acquire customers.
- Participate in promoting the different products & services of the bank (including Asset , Liability , Card products as well as internet banking & other services)
- Verify / check all account opening related mandates are received prior to opening of A/Cs.
- Carry out Central Bank check to ensure customers are not black listed
- Prepare credit proposals for loans and credit cards to be sent to Retail Credit Dept. for approvals. Ensure that all supporting documents fulfilling credit policy are obtained.
- Maintain a check list for opening of all types of accounts.
- Input all transactions related to the dept. and ensure error free transactions & application processing prior to sending to CSM / back office /RCD. Ensure best sales & services to customers by doing all transactions right the 1st time.
- Respond to customer issues/ queries in a timely and efficient manner.
- Achieve set service standards.
- Follow greet, smile, help & thank" process for customer interaction.
- Follow a retention process for account closure & state reasons for the closure properly
- Answer telephone calls within 3 rings with the standard bank greeting, and / or that the voice mailbox feature is activated; return calls.
- When assigned as product champion, conduct training for other Retail Relationship Officers & branch staff.
- Explain updates or launches of new promotions to all staff & destroy outdated product material.
- Attend to customer complaints promptly & resolve within defined TAT. Ensure all complaints that cannot be resolved immediately at the branch are sent to the Customer Care Dept. without delay.
- Ensure timely review of Know Your Customer (KYC) & credit facilities overdue, expired & take appropriate action. Comply with Anti Money Laundering (AML) guidelines & ensure that only legitimate funds reach our counters.
- Ensure strict adherence to operating procedures & credit guidelines.
- Pass periodic product knowledge tests and meet the target percentage of each.
- Perform any other duties or responsibilities consistent with the role as assigned by management.

Requirements

- University degree / Higher Diploma ( Nationals ) or equivalent Qualification
- 2-3 years experience in customer service or sales in a financial institution.

Other Skills Required for the Job:
- Proficiency in English and Arabic (written and spoken)
- Knowledge of the bank's operating procedures.
- Client relationship & selling skills
- Business orientation
- Customer service orientation
- Planning and organization skills

About the Company

Founded in 1991, Commercial Bank International is an award winning full-service commercial and retail bank offering simple and easy-to-understand products and services.

Our aim is to attract, develop and retain the very best people by offering a motivating and inclusive workplace where talent is recognized and developed. At CBI we will give you the opportunities you need to get more from your job. We'll help you grow and progress by acknowledging your talent, and rewarding you well. In return you'll give us your energy, enthusiasm and the drive to deliver results.

That way, we all have a promising future.