Relationship Officer - POS Loans

First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together.

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 onboarding experience.
• To proactively participate in Learning, Development and training programmes of the bank in order to be an effective sales personnel member.
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated.

Key Accountabilities:

Generic Accountability



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 products, 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:

Participate in the assigned People Development and L&D programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Team

• To ensure participation in assigned training, Learning & Development 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 Banks 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

Essential

• 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

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

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