Sales & Financing Officer

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

Requirements

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

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

• 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