Sales & Financing Officer (Mazar Branch)

Responsible for executing the business strategy relating to both sales and financing targets of the bank. Responsible for relationship management with the bank’s sales and financing clients base within the target market Responsible for the day-to-day sales and financing activity in the branches, ensuring that the bank’s policies and procedures are fully complied with.

Responsible for acquisition, credit assessment and appraisal of the customer

Preparation and presentation of credit proposal to relevant business head for onward submission to Credit Department for approval

Post approval execution and monitoring of customer requirements

Educational Qualifications

Bachelor degree in Economics/Accounting/Finance/Business Administration, Islamic banking. (Master degree holders will be preferred).

Islamic knowledge and certificates (preferred)

Relevant Experience

At least 2 years’ experience in sales, credit, customer relations, recovery and collection agencies, banks and financial institutions

Skills & Competencies

Proficient in writing proposals

Sound knowledge of accounting and financial statements

Efficient time management.

Good knowledge of Microsoft Office (Word, Excel, and Power point)

People management.

Financial analysis skills

Developing and implementing sales strategies to achieve maximum revenue growth and meet set sales targets.

Analyzing customer’s purchase habits, preferences, and financial requirements to propose tailored solutions.

Promoting a bank’s products and services to new and existing customers.

Explaining the features and benefits of services to customers.

Maintaining regular contacts with customers for customer satisfaction and collecting feedback.

Identifying areas for improvement in customer service and suggesting new ideas and solutions.

Educating customers about different types of banking products and services.

Maintaining records of customer details, transactions, and complaints and keep following up.

To assist with head of sales to conduct market research to identify opportunities for growth and understand the current markets demand.

Actively engage with clients through meetings, presentations, and networking events to promote banking products ensuring their needs are met and expectations exceeded.

To promote AIB’s products and services to prospective clients through various channels and to achieve the sales target for the financial year.

Work closely with other departments (e.g., Credit, CIB & BCB, Marketing, Compliance, Operations, E. Banking) to ensure a cohesive approach to sales.

Collect feedbacks from clients and report to the higher level for decision-making.

Ensure a high level of customer satisfaction through tailored financial solutions and excellent service.

Any other related tasks which as and when assign by the Line Manager Acquisition of customer for potential financing in line with the business targets and risk appetite of the bank, including microfinance, SME and corporate.

Ensuring that the customer needs are fully understood and matching solution/production is offered

Ensuring the credit appraisal and collateral assessment is conducted in line with the bank’s policies and procedures

Ensuring that all relevant evidences are obtained as required for appraisal of the customer

Liaison with relevant external and internal departments to ensure that all supporting activities are completed such as evaluation of collateral, securing legal opinion and mortgages etc.

Ensuring quality of credit to avoid delinquencies and issues in credit portfolio

Ensuring close liaison with the Branch Manager to ensure all requirements are in place and duly discussed and vetted with the branch manager.

Ensure continuous relationship with the customer

Ensure continuous monitoring of the customer business performance and related market developments which can affect the customer business

Ensure that all processing is compliant to the rulings or sharia cross selling of bank’s services to the customer

Post disbursement follow up with the customer

Any other assignment as given by the line manager.

AIB is committed to a diverse workforce and encourage all eligible local applicants, irrespective of gender, disability, culture, religious and ethnic backgrounds to apply.

Interested individuals can apply using the below link

https://aib.zohorecruit.com/jobs/Careers/584743000008523018/Sales-Financing-Officer?source=CareerSite

Short-listed candidates whose applications respond to the above criteria will be contacted for written test and interview. If you did not receive a response within two-four weeks after closing date, it means you are not shortlisted

We are highly encouraging qualified and eligible disable candidates to apply.