Sales:
Sales of all asset & Liabilities products of the bank (Mortgage, Real Estate, SME ,Personal Loan, Auto Loan, Fixed Deposits, Account Opening )
Responsible for achieving monthly and yearly branch sales targets.
Responsible to increase customer network and grow the asset portfolio of the bank.
Takeover of customer liabilities with different banks by offering them better rates.
Responsible to give presentation to the new customers on bank products and bring new business.
Analysis of customer profile & review of financial history for financing facilities & processing of applications to processing unit for credit approvals.
Worked with CAD, RCD& CPU to ensure that all credit related documentation is properly arranged.
Take complete ownership of customer accounts and deals to ensure all the transactions are handled properly.
Complete follow-up with all relevant departments to close the cases with in TAT and disburse the amount to customer’s account
Successfully achieving all monthly sales targets of the branch for different products.
Customer Service & Branch Operations
Assisted customers regarding issues related to their accounts, cards & payments of their liabilities.
Assisted customers as first point of contact for early settlements and closure of loans & accounts.
Full awareness of KYC and anti money laundering policies and procedure in relation to credit lending.
Handled all branch operations and make sure that all standard operational procedures are followed.
Process all types of Standing orders and Debit & Credit instructions for transfer & payments.
Keep the record of security items (ATM Cards, Cheque Books, Cheque Returns) and ensure on time delivery to customers according to the standard procedures.
Maintain branch procurement system and handle all the branch stocks and stationary.

Sell Credit Card products of the bank as core product.
Making Sale of Dubai Islamic Bank all other retail products
Making sale of mortgage & business banking products.
Successfully achieved monthly individual & team sales targets.
Cross selling of all products to existing & new customers to achieve sales targets.
Identify and map the target market and contact them through tele-calling and by visiting their office.
Fixed appointments and give presentation to clients on Bank products.
Analysis of customer profile and financial history for bank borrowing and processing of application to credit unit for approval.
Completion of documents and processing to credit Unit.
Build a strong relationship in the market with customers and other channels to achieve assigned targets.
Achieved outstanding performance certificate for the month of March 2014.

In above role I mainly worked as branch sales & Customer service officer for retail and business banking products to achieve assigned sales and operations targets and also worked as branch trainer during Dubai Bank Integration and merger with EIB and support Dubai Bank branches staff for EIB Systems and products
Branch Sales & Service:
Handled branch sales of complete Islamic Banking products to retail and business banking customers.
Selling of all bank products (Mortgage SME Loans, Personal loan, Credit Cards , Auto Loans)
Analysis of customer profile & financial history for financing facilities & processing of applications to processing unit for credit approvals.
Successfully achieved monthly assets and liabilities sales targets.
Cross selling of all products to existing & new customers to achieve branch sales targets.
Assisted customers regarding issues related to their accounts, cards & payments of their liabilities.
Assisted customers as first point of contact for early settlements and closure of loans & accounts.
Build a strong customer relationship with existing customer by retaining them and offering them portfolio of products.
Full awareness of KYC and anti money laundering policies and procedure in relation to credit lending.
Handled branch back end operations as operation team member.
Process all types of Standing orders and Debit & Credit instructions for transfer & payments.
Prepare monthly branch reconciliation report for branch suspense & sundry accounts.
Additional Assignment: Worked as branch trainer during Dubai Bank Integration and merger with EIB and support Dubai Bank branches staff for EIB Systems and products. Provide full support to all branch staff including BOM, BM for all day to day activities and support them for communication with departments through different channels.

Complete coordination and follow-up with all relevant departments on Credit Card Sales & on time approvals on applications.
Worked as assistant team leader and manage and handle the team in absence of team leader.
Conduct team huddles on daily sales activity and progress towards target achievement.
Support the team to achieve individual and team sales targets set by management.
Train new staff about policy ,product , process ,tele-sales & communication skills
Provide full assistance & support to other departments for cases to cases issues.
Prepare daily & weekly MIS dashboard reports in excel & share over all stats with management.
Assisted team members on their case to case issues and resolved problems with in TAT.
Increase level of coordination & communication with other department to increase sales.
Give presentations to the teams on policy & process updates in daily team meetings
Communicate with different departments through email & phone about product & policies.

Credit Card & personal loan sales to new & existing customers of the bank through tele-calling.
Create and exploit opportunities to promote & sell a portfolio of Credit Card products to achieve assigned sales targets.
Analysis of customer profile & financial history for calculation of customer DBR and eligibility for processing of applications to processing unit.
Make appropriate customers referrals to other departments to facilitate customers and to increase business of bank.
Make a proper follow-up with relevant departments on cases to case basis to get approvals with in appropriate time.

Assisted Private Banking, Priority Banking & Retail Banking customers with general banking issues.
Assisted company account holders for Smart Business & NBOL (NBD online) activation/login and application.
Coordinate with the banks operation units, branch networks & product department for the latest complaint resolution and product updates.
Assisted individual & corporate customer regarding their day to day queries through help desk as first point of contact to solve their issue related to their accounts, credit card, loans, online banking.
Create awareness among the customers and promote IVR /self service online tools usage to provide low cost automated services.
Make complains regarding disputes of online transfer and payments and customer’s profile on internet banking and forward to relevant department
Providing high level of customer satisfaction