Senior Mortgage Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

We are seeking an experienced Senior Mortgage Specialist to support mortgage operations, loan application assessment, financial documentation review, repayment analysis, and digital mortgage processing coordination. The role focuses on evaluating mortgage application information, reviewing borrower documentation, monitoring application progress, identifying documentation gaps, and supporting efficient mortgage workflows across residential and commercial lending activities.

The ideal candidate will have extensive experience in mortgage administration, lending operations, credit documentation, and banking processes. This is a fully remote position focused on digital file review, financial analysis, workflow coordination, and operational reporting.

• Review mortgage applications, borrower information, supporting financial documents, and property-related records.
• Assess the completeness and consistency of digitally submitted mortgage application files.
• Analyze borrower income information, employment records, existing liabilities, and documented repayment capacity.
• Review loan-to-value (LTV), debt-to-income (DTI), affordability, and repayment calculations for accuracy and consistency.
• Examine bank statements, salary records, tax documents, financial statements, and other supporting evidence.
• Review mortgage product information, interest rate structures, repayment terms, fees, and loan conditions.
• Coordinate remotely with relationship managers, mortgage operations teams, credit analysts, legal departments, and property professionals.
• Monitor application status, processing timelines, pending requirements, and outstanding documentation.
• Identify discrepancies, missing information, inconsistencies, and potential risk indicators in mortgage files.
• Support mortgage application processing through digital workflow systems and document management platforms.
• Review property valuation reports and supporting collateral documentation for completeness, referring technical valuation concerns to qualified professionals.
• Monitor mortgage portfolio information, repayment trends, arrears reports, and account servicing exceptions.
• Support refinancing, mortgage restructuring, early settlement, and loan amendment documentation reviews.
• Maintain accurate electronic records and ensure appropriate document version control.
• Prepare mortgage pipeline reports, processing performance summaries, and management dashboards.
• Support compliance checks relating to customer due diligence, documentation standards, and internal lending procedures.
• Coordinate responses to internal audit findings, quality reviews, and mortgage file inspection requests.
• Recommend improvements to mortgage processing workflows, documentation controls, and customer service procedures.

• Bachelor's degree in Finance, Banking, Accounting, Business Administration, Economics, or a related discipline.
• Typically 7–10 years of relevant experience in mortgage lending, retail banking, loan administration, or credit operations.
• Strong understanding of mortgage application processes, lending documentation, and residential or commercial mortgage products.
• Experience reviewing borrower income, liabilities, affordability, repayment capacity, and collateral documentation.
• Knowledge of loan-to-value ratios, debt-to-income calculations, repayment schedules, interest structures, and mortgage pricing.
• Familiarity with UAE banking practices, mortgage regulations, and relevant customer due diligence requirements.
• Understanding of credit risk principles, lending policies, documentation standards, and operational controls.
• Experience using banking systems, loan origination platforms, mortgage processing software, and electronic document management systems.
• Strong proficiency in Microsoft Excel, financial analysis, and digital reporting tools.
• Ability to identify documentation irregularities, processing errors, and potential credit or operational risks.
• Excellent communication, coordination, and stakeholder management skills.
• Strong attention to detail, analytical thinking, and organizational abilities.
• Ability to manage multiple mortgage applications and deadlines in a fully remote environment.
• Relevant banking, mortgage lending, credit analysis, or financial services certifications are advantageous.

• 100% remote working arrangement from home.
• Full-time opportunity in mortgage lending and banking operations.
• Exposure to residential and commercial mortgage products and digital lending processes.
• Collaboration with experienced banking, credit, legal, and mortgage operations professionals.
• Opportunities for professional development and career progression.

Interested candidates should submit an updated CV highlighting their mortgage lending experience, credit documentation expertise, financial analysis skills, banking systems knowledge, and relevant professional qualifications.

Application Subject: Application – Senior Mortgage Specialist (UAE Remote)

Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.

• Remote Work Scope: This position is limited to remote mortgage application review, digital document verification, borrower financial analysis, workflow coordination, portfolio monitoring, and operational reporting. Physical property inspections, in-person identity verification where legally required, original document witnessing, and physical handling of title or security documents must be performed by qualified local personnel. The role does not independently authorize binding credit decisions, mortgage approvals, legal interpretations, execution or registration of mortgage instruments, property title certifications, regulatory filings, or legal sign-offs. These activities must be completed by appropriately licensed, registered, or authorized banking, legal, valuation, or compliance professionals.