Mortgage Credit Analyst – Personal Banking

United Arab Bank; Sharjah; On-site; AED 90,000 - 150,000; Full time

Job summary

United Arab Bank seeks a Retail Mortgage Credit Analyst to assess mortgage loan applications and determine creditworthiness. The role analyzes financial and non-financial information, performs risk assessments, and ensures compliance with credit policies and regulatory requirements.

The successful candidate will support Sales, Relationship Managers, Operations and Real Estate, delivering sound credit recommendations and maintaining audit-ready documentation.

Qualifications

• English and Arabic communication skills are required.
• 3-5 years’ experience in retail credit underwriting.
• Experience with individual credit delegation / lending authority.
• Strong experience assessing self-employed applicants.
• Fluency in English and Arabic.

Responsibilities

• Review and analyze mortgage loan applications for salaried and self-employed customers.
• Assess income, employment stability, debt burden, affordability and repayment capacity.
• Calculate Debt Burden Ratio (DBR), Loan-to-Value (LTV) and other credit metrics.
• Prepare comprehensive credit assessment reports and recommendations.
• Approve applications within delegated authority or escalate as needed.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Maintain documentation and audit trails.
• Collaborate with Sales, Relationship Managers, Operations and Real Estate Department.

Skills

English & Arabic communication

Education

Finance/ CPA or CA qualification

Job description

United Arab Bank seeks a Retail Mortgage Credit Analyst to assess mortgage loan applications and determine creditworthiness. The role analyzes financial and non-financial information, performs risk assessments, and ensures compliance with credit policies and regulatory requirements.

The successful candidate will support Sales, Relationship Managers, Operations and Real Estate, delivering sound credit recommendations and maintaining audit-ready documentation.