Branch Sales Executive

Role purpose

To source personal finance applications from the local market. Sourcing of business should be within ADIB permitted policy and procedure.

Key accountabilities of the role

Main responsibilities

• To source new to bank personal finance product to the specified target segment and achieve or exceed the assigned target.
• To prepare and maintain DSR (Daily Sales Report) for the entire visited customers and company visits.
• Create and maintain good relationship with all the business entities/individuals where the business is sourced.
• To visit potential companies/institutions to finalize business deals within the targeted turnaround time based on ADIB policy and procedure and give feedback to RSS.
• Full awareness on product knowledge and implementing them at all times.
• Deliver a timely prompt service to the customers.
• Adhere to stipulated office timing, follow strictly secrecy norms, maintain data confidentiality and be presentable.
• DSR should be submitted to the respective branch manager by end of day with complete details.
• The above will be observed and non-compliance will be escalated.

Regular / occasional responsibilities

• Prepare and review standard credit application and ensure all information provided is accurate and ensure authenticity of the critical documents (i.e. cheque, copies of bank statement, passport, Emirates ID, salary certificate etc.) prior to sending to PU for processing.
• Ensure that all applications submitted are error free and rectify errors in case of any.
• Follow the approval process and escalate the delay to BM/OSM if any.
• Execute Murabaha contract with the customer representing ADIB, and prepare the file as per the checklist, forward card allocation for card issuance through the coordinators within 24 hours of completing signing formalities with customer.
• Check the PF disbursement and notify the BM/OSM in case of delay at card center end.
• Maintain a good rapport with inter-department/peers by ensuring a smooth flow of business.
• Participate in activities assigned by your BM/OSM/line manager during promotions.
• Initiate cross-sell of other banking products on best efforts basis (when required).
• Escalate customer complaints to the supervisor level immediately, if any.

Specialist skills / technical knowledge required for this role

• Broad knowledge of ADIB's personal finance and other RBG products and services.
• Fair knowledge of service standards, sales skills and computer skills.
• Good knowledge of UAE banking practices, regulations and risks.
• Thorough knowledge of all the regulations issued by Central Bank of UAE.
• General awareness of competitors in the local market.