Senior Mortgage Specialist

🏗 We're Hiring: Senior Mortgage Specialist

📍 Location: United Arab Emirates (Remote)

🕒 Employment Type: Full-Time

💼 Experience Level: Mid-Level to Senior

🌐 Work Arrangement: Fully Remote, subject to business requirements

About Us

We are a construction-focused organization involved in property development, project delivery, and commercial operations. Our teams collaborate across Finance, Legal, Commercial, and Project Management to support property-related financing, financial planning, and effective risk management.

The Role

We are seeking an experienced Senior Mortgage Specialist to manage mortgage applications, assess financing eligibility, coordinate with financial institutions, and guide clients through the mortgage process. The ideal candidate will have strong knowledge of mortgage products, lending requirements, financial documentation, and applicable UAE regulations.

Key Responsibilities

• Manage mortgage applications from initial assessment through approval and completion.
• Assess client financial profiles, income, liabilities, creditworthiness, and borrowing capacity.
• Explain mortgage products, interest or profit rates, repayment structures, fees, and eligibility requirements.
• Review income statements, bank statements, credit reports, property documents, and supporting financial records.
• Coordinate with banks, mortgage lenders, brokers, valuers, developers, and legal representatives.
• Evaluate mortgage options based on client requirements, affordability, and applicable lending criteria.
• Monitor application progress and follow up on outstanding documents, approvals, and conditions.
• Ensure mortgage documentation is complete, accurate, and compliant with lender policies.
• Support property financing transactions, including purchases, refinancing, and applicable equity-release arrangements.
• Identify potential application risks, inconsistencies, and affordability concerns.
• Maintain accurate client records and protect confidential financial and personal information.
• Ensure compliance with relevant UAE mortgage regulations, anti-money laundering requirements, and internal procedures.
• Resolve application issues and communicate updates clearly to clients and stakeholders.
• Maintain relationships with financial institutions and identify suitable financing solutions.
• Prepare reports on application volumes, approval rates, turnaround times, and business performance.

Qualifications and Experience

• Bachelor's degree in Finance, Banking, Business Administration, or a related field.
• At least 5–8 years of experience in mortgage lending, retail banking, property finance, or mortgage brokerage.
• Strong understanding of UAE mortgage products, lending criteria, credit assessment, and property financing procedures.
• Familiarity with relevant UAE Central Bank requirements and applicable mortgage regulations.
• Excellent client relationship management, negotiation, analytical, and communication skills.
• Proficiency in Microsoft Office and mortgage origination or customer relationship management systems.

Preferred Certifications

• Mortgage lending or banking qualifications.
• Relevant credit risk or financial analysis certification.
• Anti-money laundering and compliance training.

Key Performance Indicators (KPIs)

• Mortgage application processing and approval rates.
• Accuracy and completeness of application documentation.
• Application turnaround times and successful completion rates.
• Client satisfaction and relationship retention.
• Compliance with lending policies and regulatory requirements.
• Quality of credit assessments and risk identification.

What We Offer

• Competitive compensation based on experience and qualifications.
• Remote working flexibility.
• Opportunities to work with property-related financing and commercial teams.
• A professional and collaborative working environment.
• Career development and advancement opportunities.

How to Apply

• Interested candidates are invited to submit their updated CV, relevant certifications, and a summary of their mortgage or property finance experience for consideration.