Job Description

United Arab Emirates (FTO) Trending

To support the BDU Asset - Team Leaders, Relationship Management team/Business Development Officers in maintaining and nurturing both existing and prospective client relationships with personalized and standardized service. Also, manage the overall service and operational quality across the assigned portfolio. Assist the Relationship Management team/Business Development Officers in achieving financial objectives on new customers, application processing, limits, utilization, and fee realization against fully secured lines. Monitor the portfolio, including routing conditions such as turnover/POS, and ensure timely fulfillment of covenants as mentioned in the Credit Approval Process, along with providing daily operational support to the teams. Responsibilities

Relationship Management Work closely with the Relationship Management team/Business Development Officers and Unit Managers/Heads to identify desired service levels. Collaborate on projects with the Client Experience Manager or Governance as required to improve and standardize overall client services across all channels and contribute to developing and implementing agreed actions. Ensure smooth flow of all applications and requests, including account opening and ownership of discrepant cases from sales channels. Provide regular feedback to Product Managers on process/service-related issues. Meet the service standards and turnaround times outlined in the SLA. Risk Management and Governance Assist the Relationship Management team/Business Development Officers in conducting proper KYC and fulfilling compliance requirements on KYC and other regulated activities pertaining to assets, liabilities, insurance, and investment. Actively participate in reducing rejects and referrals on all products sourced by the Relationship Management team/Business Development Officers by acting as a checker and providing feedback. Ensure expired and overdue KYC, Visa, Passport, and Emirates IDs are updated on a timely basis. Represent BDU Business Banking in liaising with audit for operational issues and work with the Relationship Management team/Business Development Officers in rectifying all audit objections and queries. Maintain excellent quality of KYC on all clients, including regular annual reviews of facilities, turnover, and nature of transactions, with pending reviews prioritized. Conduct regular reviews for the smooth functioning of SLAs and operational standards, initiating necessary amendments as required. Administration & Reporting Ensure client records and transactions are recorded/processed on the system in a timely and accurate manner. Effectively handle customer complaints/inquiries for Mashreq BDU Business Banking clients. Monitor customer feedback to ensure Mashreq BDU Business Banking standards are met at all levels. Governance and Audit Support the Relationship Management team/Business Development Officers with KYC and FATCA updates to maintain current client information. Assist with the effective implementation of all audit recommendations and procedures as advised by Senior Management. Refer all matters of non-routine nature to appropriate superiors. Monitor the authenticity of applications and other credit facilities by pre-screening and processing applications/requests effectively, ensuring adherence to all financial and non-financial parameters with proper sign-off at every stage. Identify anomalies in lodgment, pledging, or withdrawal processes and highlight such anomalies to unit management for follow-up or procedural changes. Finance CPR Manage the portfolio mapping metrics and review portfolio CPR regularly. Qualifications

Thorough knowledge of products, services, policies, and processes of retail banking in Mashreq Bank. The job holder will possess the following skills: Interpersonal skills. Ability to work under pressure. The job holder should have completed high school; university graduates are preferred. They should have 2-3 years of banking experience or relevant experience in another field. #J-18808-Ljbffr