تفاصيل وظائف بنك المشرق
تفاصيل وظائف بنك المشرق
SME Relationship Manager
Job Purpose
· Source, Analyze, Structure & Facilitate client relationships who require Trade & Working Capital requirements.
· To ensure growth in the balance sheet while ensuring service delivery to these clients through liaising with various intra-organizational departments.
Key Result Areas
· To proactively drive new-to-bank business to grow SME Business presence in the identified target segments.
· To maintain close contact and relationship with the clients in a way, which ensures that we remain one of their main banks getting a major share of their wallet.
· To proactively solicit/ manage businesses, which meet agreed risk-reward parameters of the unit.
· To deliver agreed assets/ liabilities/ revenue numbers through ensuring extension of funded/ non-fund based facilities, trade/ FX/ remittances transactional volumes and significant cross-sell of e-banking/ Business Loans/ Business Debit Cards/ other products of the Bank.
· Intra-organization liaison ensuring Service Delivery to clients.
· To work closely with all product and channel partners from RBG and CIBG and the SME FX team so as to maximize opportunities provided through regular contacts, feedback, co-ordination and cross referrals.
· To recommend relevant facility approvals as per the clients’ credit needs and worthiness
· To ensure that the credit risk on account of funded/ non-funded facilities extended are adequately mitigated through robust credit analysis and ensuring full & proper execution of the requisite security documentation by the customers
· To ensure compliance requirements for the relationships are adhered to in line with the Banks policies – KYC, AML, Account Reviews as per Risk Levels, High Value Transaction monitoring, STR escalation.
· Self starter to ensure consistency in productivity and performance
Knowledge, Skills and Experience
· Strong analytical, problem solving, networking and financial management skills
· In-depth knowledge of products, services & delivery channels available for SME customers.
· Knowledge of SME business from a risk perspective and ability to understand and solicit the right segment of customers
· Informed in market competition, industry practices and regulations for business banking
· Preferably a management graduate with 4-5 years’ relevant working experience
Sales & Service Officer
Job Purpose
· To provide Mashreq Bank customer’s financial services which exceed the customer’s expectations by delivering an unbiased, competent, timely and problem free service.
· Be imaginative and creative in the delivery of customer service.
· Profile each and every customer met to understand their needs.
· Customer retention is also the SSOs responsibility.
· Improve on service levels at the branches. Take ownership of customer complaint resolution. Report indicators, set by CSQ accurately at the required frequency.
· Be a team player and contribute to achievement of goals based on the Key Performance Indicators, in the Branch. Also to support and coach new staff to make easier their assimilation in the MB family.
· Deputize for the Branch Manager in his absence.
· Provide constructive and constant feedback on improvement of : products, services, processes which may either reduce cycle time or costs or enhance customer satisfaction.
· Adhere to Branch process and report deviations to the BM, which should finally lead to an acceptable Branch Audit rating.
Key Result Areas
· Minimizing customer attrition.
· Customer acquisition through sales to walk-ins and through tracking the activities viz. Contacts to Appointments kept and Appointment kept to Sales.
· Increasing share of wallets of high risk customers to prevent an easy exit.
· Meeting with the set service standards (indicators and surveys).
· Ownership of customer complaints.
· Contribute towards acceptable audit rating for the Branch.
Knowledge, Skills and Experience
· Thorough knowledge of products, services policies and processes of retail banking in Mashreq Bank.
· The job holder will have to possess the following skills:
· Problem Solving skills.
· Communication skills.
· Interpersonal skills.
· Computer literacy.
· The job holder should be a University Graduate with 2-3 years banking experience or experience in any other service industry.
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