Sales Officer - Business Banking Liabilities

As a Business Banking Relationship Officer, you will be the first point of contact for customers, handling both inbound and outbound communications through calls, chats, and emails. Your primary responsibility will involve addressing inquiries, resolving account-related issues, and providing detailed information about our products and services.Your role will include engaging with customers to identify their financial needs, enabling you to effectively cross-sell our banking products and services that best meet their requirements. You will also be responsible for reporting any suspected fraudulent transactions in accordance with established fraud detection protocols.In addition, you will work to manage and de-escalate customer frustrations or complaints, demonstrating empathy and patience while striving for satisfactory resolutions. Adhering strictly to security and compliance guidelines, you will ensure the confidentiality and integrity of customer information and transactions.Collaboration with team members and other departments will be essential in addressing customer issues and enhancing overall service delivery. Staying informed about banking products, policies, and procedures will empower you to provide accurate and up-to-date information to customers.You will document all customer interactions accurately in our designated systems, maintaining detailed records for future reference. Your commitment to exceptional service delivery will be key in enhancing customer satisfaction and loyalty.To succeed in this role, you will be expected to achieve monthly sales targets through effective cross-selling and closing of sales, as well as provide valuable market feedback on competition and suggestions for product improvement.This role demands personalized service, where you will efficiently gather customer information, assess their needs, and educate them accordingly, while capturing and reporting customer feedback for continual product development. It is essential to follow all bank procedures and processes with full adherence to BCP steps, ensuring differentiation between Conventional and Islamic calls based on customer preferences.

Key ResponsibilitiesWork collaboratively with Relationship Managers to provide timely and insightful feedback that drives business objectives.Engage in sales with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Prepare and submit accurate applications, maintaining a 100% accuracy rate in all documentation.Facilitate effective collaboration with internal teams to ensure seamless processing of applications.Comply with HR policies, organizational standards, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational guidelines.Effectively manage individual claw backs, ensuring they align with the organization’s financial targets for the fiscal year.QualificationsSolid understanding of banking and insurance products, including RAK Bank offerings and those of competing institutions.Strong sales and service orientation.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-selling opportunities across various banking divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaborate with external agencies such as Network International.

Your Role and ResponsibilitiesWork collaboratively with Relationship Managers to provide insightful feedback that aligns with our business objectives.Engage in sales activities with integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries and requests, guaranteeing resolution within defined turnaround times (TATs).Prepare and submit applications with meticulous attention to detail, maintaining a 100% accuracy rate.Coordinate with internal teams to ensure seamless processing of applications.Comply strictly with HR policies, organizational guidelines, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational protocols.Proactively minimize individual clawbacks, ensuring they remain within the company’s targets for the financial year.Qualifications for SuccessSolid understanding of banking and insurance products, particularly those offered by RAK Bank and competitor banks.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Adept at identifying cross-sell opportunities within other business divisions for Bancassurance products.Experience in managing Point of Sales loans and Business loans.Ability to collaborate effectively with external agencies, such as Network International.

Your Role:Work closely with Relationship Managers to provide timely, insightful feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in every client interaction.Respond swiftly to customer inquiries, guaranteeing solutions are delivered within specified turnaround times (TATs).Accurately submit applications and maintain 100% documentation accuracy.Facilitate effective collaboration with internal teams for smooth application processing.Adhere strictly to HR policies, organizational standards, and the professional Code of Conduct.Ensure compliance with Service Level Agreements (SLAs) and TATs as outlined in operational guidelines.Strategically manage clawbacks to remain within the organization's financial targets for the year.

Key ResponsibilitiesWork closely with Relationship Managers to provide timely and strategic feedback that aligns with business objectives.Execute sales with the highest level of integrity and professionalism, ensuring transparency in all client interactions.Respond swiftly to customer inquiries, ensuring resolutions are achieved within established turnaround times (TATs).Deliver applications with meticulous attention to detail, achieving 100% accuracy in documentation.Facilitate collaboration with internal teams to ensure the efficient processing of applications.Comply with HR policies, organizational standards, and the Code of Conduct.Uphold compliance with Service Level Agreements (SLAs) and TATs as specified in operational protocols.Strategically manage individual clawbacks to stay within the organization’s defined financial targets for the year.QualificationsIn-depth knowledge of banking and insurance products, specifically RAK Bank and competitive offerings from other financial institutions.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities across different business divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaboration experience with agencies such as Network International.

Your RoleWork collaboratively with Relationship Managers to provide timely and insightful feedback that supports the achievement of business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Ensure accuracy by submitting error-free applications and maintaining 100% correctness in all documentation.Facilitate smooth processing of applications by coordinating effectively with internal teams.Follow HR policies, organizational guidelines, and uphold the professional Code of Conduct at all times.Comply with Service Level Agreements (SLAs) and TATs as specified in operational procedures.Strategically limit individual claw backs to stay within the organization’s defined targets for the financial year.Qualifications We SeekA solid understanding of banking and insurance products, including RAK Bank offerings and competitive products from other banks.A strong sales and service orientation.Outstanding communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities for Bancassurance products across various business divisions of the bank.Experience managing and overseeing Point of Sales loans and Business loans.Collaboration with agencies such as Network International is a plus.

JOB PURPOSE:As a Business Loans Relationship Officer, you will play a crucial role in achieving and surpassing both monthly and annual sales targets. You will focus on acquiring new customers while also nurturing existing relationships within the bank. Conduct thorough analyses of customer cases and provide comprehensive information following field visits. Familiarize yourself with all bank policies, products, and processes to deliver an outstanding client onboarding experience. Proactively engage in learning and development programs to enhance your sales capabilities and ensure compliance with KYC and other regulatory policies.KEY ACCOUNTABILITIES:Financial:Meet the established sales and revenue objectives for all products as outlined in the business plan.Achieve monthly and annual KPI targets.Focus on acquiring new customers while leveraging the existing client base.Maximize cross-selling opportunities to increase revenue per customer.Maintain daily sales reports for review by team leaders and managers.Customer Service:Consistently prioritize customer satisfaction by providing excellent service and ensuring a seamless onboarding experience.Possess in-depth knowledge of products, policies, and processes to enhance customer interactions.Ensure transparent communication to prevent mis-selling and adhere to customer needs.Address and resolve customer inquiries and escalate issues as needed for timely resolution.Learning & Growth:Engage in assigned training and development initiatives to enhance skills.Stay aware of competitive offerings and provide feedback to management for product enhancement.Internal Processes:Ensure compliance with all operational processes and policies.

Job OverviewThe Assistant Relationship Manager plays a pivotal role in nurturing and expanding a diverse portfolio of Business Banking Liabilities. This position is fundamental in achieving and surpassing set sales and service objectives while adhering to acceptable risk parameters as outlined in our policy guidelines. Success in this role hinges on exemplary client acquisition, relationship management, and efficient service delivery.Key ResponsibilitiesIdentify and cultivate new liability and transactional business accounts to ensure significant portfolio expansion.Collaborate across different departments to enhance cross-selling prospects.Consistently meet and exceed financial targets.Ensure compliance with the Bank’s regulatory and compliance standards.Follow established processes and controls in alignment with Bank policies.Manage and grow a portfolio of Business Liability clients, emphasizing low-cost transactional funds.Stimulate business growth through the acquisition of new business customers.

Job Purpose:Achieve and surpass both monthly and annual sales targets.Drive market penetration by focusing on acquiring new clients as well as nurturing existing relationships.Conduct thorough analyses and provide comprehensive information about customers following field visits.Maintain up-to-date knowledge of all policies, products, and processes to deliver an exceptional onboarding experience for clients.Actively engage in learning and development programs offered by the bank to enhance sales proficiency.Strictly adhere to KYC and compliance policies, ensuring all processes are followed.Key Accountabilities:Financial:Meet established sales and revenue goals for all products as outlined in the business plan.Achieve both monthly and annual KPI objectives.Focus on acquiring new clients while maximizing opportunities within the existing client base.Utilize cross-selling techniques to increase revenue per customer.Maintain daily reports on sales performance for review by team leaders and managers.Customer Orientation:Maintain a commercial focus and prioritize customer satisfaction by delivering excellent onboarding experiences.Possess in-depth knowledge of products, policies, and processes to ensure superior customer service.Address customer concerns effectively, escalating issues to ensure timely resolutions.Learning and Growth:Participate in designated training and development programs while taking accountability for personal growth.Stay informed about competitive offerings and propose enhancements to products and processes.Internal Processes:Implement sales and compliance processes as per the bank's policies, ensuring governance and controls to mitigate potential losses.Follow risk control assessments across all areas of the Business Banking Department.

Job Purpose:Achieve and surpass monthly and annual sales targets.Drive market penetration by focusing on acquiring new clients while nurturing existing relationships.Conduct comprehensive analysis post-field visits to provide clients with tailored information.Maintain a thorough understanding of all policies, products, and processes to ensure an exceptional client onboarding experience.Engage proactively in Learning and Development programs to enhance sales effectiveness.Strictly adhere to KYC, Compliance policies, and other relevant processes.General Accountability:Financial:Meet or exceed established sales and revenue objectives for all products as per business plans.Fulfill monthly and annual KPI targets.Focus on New to Bank acquisitions while maximizing existing client relationships.Capitalize on cross-selling opportunities to enhance revenue from each customer.Maintain daily sales reports for review by team leaders and management.Customer Focus:Demonstrate commercial effectiveness while maintaining a strong customer focus and delivering exceptional service.Possess in-depth knowledge of all products, policies, and processes to ensure a superior client onboarding experience.Prevent mis-selling by transparently offering products and services that meet customer needs.Effectively understand and address customer complaints to ensure timely resolutions.Learning & Growth:Participate actively in assigned development programs and take responsibility for personal growth through collaboration with Team Leaders.Engage in mandatory training and development programs.Stay informed about competitors' offerings and provide suggestions for product/process improvements to management.Internal Processes:Implement prescribed Sales and Compliance processes in accordance with the Bank's policies.Establish governance and controls to proactively identify and mitigate potential risks.Adhere to the Risk Control Assessment process across all areas of Business Banking including Selling, Client Onboarding, Fraud Control, and KYC Documentation.Comply with all internal processes to ensure satisfactory audit ratings.

About the RoleWe are on the lookout for a seasoned and proactive Senior Relationship Manager to become a vital member of our Elite Business Banking team. This position is tailored for a high-achieving professional who excels in forging meaningful client relationships, providing bespoke financial solutions, and fostering portfolio expansion. As the trusted adviser to our Elite Business Banking and High-Net-Worth Individual (HNWI) clientele, you will ensure their banking journey is smooth, personalized, and focused on delivering exceptional value. This role reports directly to the Senior Vice President, Head of Elite Business Banking Liabilities.Key ResponsibilitiesIdentify and onboard new Elite Business Banking and HNWI clients to cultivate a strong and lucrative portfolio.Facilitate seamless onboarding processes that adhere to compliance and regulatory standards.Strengthen and manage relationships with existing clients by gaining a deep understanding of their unique financial objectives.Provide tailored banking and investment solutions aimed at enhancing portfolio value and client loyalty.Develop and implement retention strategies for high-valued clients to ensure sustained engagement.Meet or surpass budgeted sales and service targets through effective relationship management.Drive revenue growth by focusing on low-cost transactional funds and other income avenues.Encourage cross-selling opportunities across the bank's comprehensive range of products and services.Ensure compliance during all client interactions per internal policies and regulatory guidelines.Proactively identify and manage risks associated with business banking activities.Collaborate with service and back-office teams to fulfill client expectations and resolve inquiries promptly.Address SAS and Correspondent Bank queries within established turnaround times.Collect market insights to aid in product development and improve customer offerings.Continuously seek innovative methods to enhance service delivery and client satisfaction.

What You Will Be DoingConsistently meet and exceed assigned sales targets, directly contributing to the overall business objectives of RAKBANK.Remain updated on competitor product offerings and provide insights for enhancing current processes.Deliver timely updates to the Relationship Manager regarding business targets and achievements.Ensure compliance with all service standards established by Protego/Bank, maintaining exceptional customer satisfaction.Conduct the sale of insurance products with a strong commitment to integrity, transparency, and good faith.Process all customer requests promptly and accurately within the defined turnaround time (TAT).Maintain a zero-error standard in sales and service delivery to meet quality benchmarks.Actively seek cross-selling opportunities within the existing Protego customer base.Achieve renewal conversion rates in line with business objectives.What You Should HaveFamiliarity with banking regulatory frameworks, policies, and confidentiality standards.Strong negotiation and interpersonal skills.A proactive approach to contributing to business continuity.

Work collaboratively with Relationship Managers to provide timely and insightful feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, ensuring resolutions are achieved within the designated turnaround times (TATs).Ensure submission of error-free applications and maintain a record of 100% accuracy in all documentation.Facilitate seamless coordination with internal teams to enhance the efficiency of application processing.Comply strictly with HR policies, organizational standards, and the professional Code of Conduct.Meet all Service Level Agreements (SLAs) and TATs as specified in operational guidelines.Proactively manage individual clawbacks to keep them within the organization's target limits for the fiscal year.

Collaborate effectively with Relationship Managers, providing timely and insightful feedback to drive business objectives.Conduct sales with integrity and professionalism, ensuring transparency in all interactions.Respond promptly to customer inquiries, ensuring resolutions within established turnaround times (TATs).Submit applications with meticulous attention to detail, achieving 100% accuracy in documentation.Coordinate with internal teams to ensure the smooth and efficient processing of applications.Comply strictly with HR policies, organizational protocols, and the professional Code of Conduct.Ensure adherence to Service Level Agreements (SLAs) and TATs as specified in operational procedures.Strategically minimize individual clawbacks, maintaining them within organizational targets for the fiscal year.

Collaborate closely with Relationship Managers to provide timely and valuable feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all client interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Prepare and submit applications with meticulous attention to detail, ensuring 100% accuracy in all documentation.Work in harmony with internal teams to streamline the application processing workflow.Comply rigorously with HR policies, organizational standards, and the professional Code of Conduct.Meet compliance requirements set forth in Service Level Agreements (SLAs) and TATs as detailed in operational guidelines.Proactively manage individual claw backs, ensuring they remain within the financial targets set for the year.

About the RoleIn the position of Virtual Relationship Manager, you will oversee a diverse portfolio of customer relationships, ensuring that clients receive exceptional service and bespoke financial solutions tailored to their unique needs. Acting as the primary point of contact, you will provide expert advice, resolve issues, and cultivate enduring relationships with clients.Key ResponsibilitiesMeet and exceed sales and service targets while managing risk effectively.Conduct regular assessments of customer portfolios to uncover business opportunities and promote relevant financial products.Foster and maintain strong client relationships, delivering service that aligns with their expectations.Offer specialized advice and resolve customer inquiries to enhance satisfaction.Execute all tasks meticulously, complying with banking policies and regulatory standards.Work collaboratively with internal teams, including compliance, operations, and business support, to optimize processes.Uphold professionalism and integrity, adhering to the Staff Code of Conduct.

Join First Abu Dhabi Bank as a Virtual Relationship Officer and be part of a dynamic team dedicated to enhancing client relationships through innovative digital solutions. This Emiratized role is perfect for those looking to make an impact in the banking sector while working remotely.

Key Responsibilities:Proactively identify and acquire new clients by building networks and independently sourcing relevant leads for sales and business growth.Assess and address customers' needs independently.Develop and utilize resources that align with business development and sales targets.Collaborate with relevant teams to ensure exceptional client experience throughout all interactions, from follow-ups to service delivery.Attract and retain clients by crafting innovative outreach strategies in partnership with the marketing department.Align with organizational operational procedures to support revenue generation and sales expansion objectives.Continuously evaluate existing processes to identify opportunities for improvement.Manage relationships within Corporate and Investment Banking, directing the fulfilment team to execute business operations at client sites.Increase the portfolio of Employee Banking clients by targeted percentages.Coordinate Helpdesk and Induction activities at client locations to drive revenue through the promotion of retail asset products and services.Oversee lead generation and management through the FAB CRM systems.Serve as the primary point of contact for customer inquiries.Exceed customer service expectations, ensuring effective complaint management and service enhancements.Efficiently manage the bulk account opening process for employees of targeted CIBG/TML customers.Design and implement strategies to boost business penetration in the region.Engage with Corporate & Investment Banking and Business Banking teams to provide clients with a comprehensive retail banking package.Drive multi-product sales with a focus on enhancing corporate profitability.Monitor market trends, industry developments, and competitive dynamics, sharing insights with the Business Intelligence team to adapt strategies effectively.Work closely with strategic alliances within PBG sales and distribution.Comply with the bank's Standard Operating Procedures, Policies, and Code of Conduct.

Job Purpose:Achieve and surpass monthly and annual sales targets for POS loans.Drive market penetration through strategic acquisition of new clients and engagement with existing customers.Conduct thorough case analysis and provide comprehensive customer information post-field visits.Develop a strong understanding of policies, products, and processes to deliver an exceptional onboarding experience for clients.Actively engage in training and development initiatives to enhance sales effectiveness.Adhere strictly to KYC, compliance policies, and other required processes.Generic Accountability - Financial:Meet established sales and revenue goals across all products according to the business plan.Achieve monthly and annual KPI targets.Focus on acquiring New To Bank clients while maximizing opportunities within the existing client base.Identify and capitalize on cross-selling opportunities to increase revenue per customer.Maintain daily sales performance reports for review by team leaders and managers.Customers:Maintain a customer-centric approach to ensure high-quality service and onboarding experiences.Possess in-depth knowledge of all products, policies, and processes for superior client engagement.Ensure transparency in offering products/services to prevent mis-selling and align with customer needs.Effectively understand and manage customer complaints to ensure timely resolutions.Learning & Growth:Participate in designated training and development programs.Take ownership of personal development through active participation in learning initiatives, in collaboration with the team.Stay informed about competitor offerings and provide feedback for product/process enhancements.