DIRECT SALES AGENT (DSA)

- University Degree (desired, but not compulsory);
- A minimum of 1 year professional experience related to sales, ideally within a financial institution;
- High client orientation;
- Excellent communication, interpersonal, selling & negotiation skills;
- Effective team player with results orientation enjoying competitive and challenging environments;
- Accuracy and focus under presure;
- Good presentation skills;
- PC proficency;
- English knowledge

- Attracts new Retail clients in line with Bank's strategy and acts proactively with regard to the sales activities related to customized products for Retail customers;
- Contributes to achieving the target objectives with reference to Retail customers according to the agreed plan and individual budget;
- Engages constant efforts to enlarge the data base with potential clients;
- Implements the group business policy with reference to relationship management and acquisition of Retail customers;
- Identifies current and future financial needs of the clients;
- Informs the clients about loan products according to the training manual and internal sales practices, explains the loan benefits and costs;
- Explains the documentation required and assists the client in filling in the loan application forms;
- Prepares activity reports for DSA Unit Manager regarding all selling activities (i.e. meetings, contacts, visits);
- Asks referrals from existing and potential clients;
- Keeps a constant focus in improving his/her knowlwdge related to Bank's Retail products and actively participates to the related trainings;
- Provides Regular feedback to the Bank's commercial departmennts;
- Performs in line with the Bank's standards, norms and procedures

HVB Bank Romania, the legal succesor of Bank Austria Creditanstalt (BA-CA) in Romania is a universal bank targeting market leadership in private, small & medium business and corporate customer segments. At the end of Augsut 2005, BA-CA and Banca Tiriac have concluded the transaction, which will result in the merger of HVB Bank Romania and Banca Tiriac. The new bank will hold the fourth position on the Romanian banking market, with a market share of approximatively 7.5%.

Following the merger of Unicredit Group and HVB Group in 2005, HVB Bank Romania, Banca Tiriac and Unicredit Group Romania are subsidiaries of the new Unicredit Group. With assets totaling EUR 750 billion and with a market capitalization of EUR 60 billion, the new Unicredit Group has become one of the most important players on the European market of financial services.

In line with our grouth strategy on the Romanian market, we are in process of a significant development of our Retail Sales Teams for extensive country coverage.