Relationship Manager - Mortgages- Elite Banking

Rakbank; United Arab Emirates; On-site; AED 180,000 - 240,000; Full time

Job summary

RAKBANK is seeking a Relationship Manager - Mortgages for Elite Banking to drive mortgage sales growth by acquiring new customers and managing end-to-end applications, while delivering an exceptional customer experience.

You will build strong relationships with customers, real estate agents and developers, assess affordability and guide customers through the mortgage journey, ensuring accuracy, compliance, and timely updates to keep the pipeline healthy.

Qualifications

• Bachelor's degree or equivalent required.
• Minimum 2 years in a sales-focused role.
• At least 1 year mortgage sales experience preferred.
• Fluent English; Arabic would be an advantage.

Responsibilities

• Generate mortgage business and achieve individual sales targets.
• Identify, approach, and acquire new-to-bank mortgage customers through referrals and networking.
• Build relationships with customers, real estate agencies, and developers.
• Assess customer needs and recommend suitable mortgage solutions.
• Advise customers on mortgage products, rates, and repayment structures.
• Guide customers through the mortgage journey from inquiry to disbursement.
• Perform preliminary credit and affordability assessments.
• Ensure applications are complete with required documentation.
• Coordinate with Credit, Operations, Legal, Valuation, and Fulfillment teams for smooth processing.
• Maintain a strong sales pipeline and manage leads to maximize conversions.
• Develop opportunities through referrals and market outreach.

Skills

Sales

Mortgage products knowledge

Customer acquisition

Relationship management

Communication

Negotiation

Interpersonal skills

MS Office

English (Fluent)

Arabic (advantage)

Education

Bachelor's Degree or equivalent qualification

Job description

About the Role

As a Relationship Manager - Mortgages- Elite Banking, you will be responsible for driving mortgage sales growth by acquiring new customers, managing end-to-end mortgage applications, and building strong relationships with clients, real estate agents, and property developers. The role focuses on providing expert mortgage advice, identifying quality lending opportunities, delivering an exceptional customer experience, and achieving assigned business targets while ensuring compliance with the bank's policies and regulatory requirements.

What You Will Be Doing

• Generate mortgage business and achieve individual sales, revenue, and portfolio growth targets.
• Identify, approach, and acquire new-to-bank mortgage customers through proactive prospecting, referrals, and networking.
• Build and maintain strong relationships with customers, real estate agencies, property developers, and other referral partners.
• Conduct detailed customer needs assessments and recommend suitable mortgage solutions based on financial requirements and eligibility.
• Advise customers on mortgage products, interest rates, repayment structures, and financing options.
• Guide customers throughout the mortgage journey, from initial inquiry to final disbursement.
• Perform preliminary credit and affordability assessments to identify quality lending opportunities.
• Ensure all applications are accurately completed and supported with the required documentation.
• Follow up with customers regularly and provide timely updates on application status and approvals.
• Coordinate with internal stakeholders including Credit, Operations, Legal, Valuation, and Fulfillment teams to facilitate smooth processing.
• Maintain a strong sales pipeline and actively manage leads to maximize conversion rates.
• Develop new business opportunities through referrals, property exhibitions, market outreach activities, and relationship-building initiatives.
• Support the onboarding and management of real estate agency and developer partnerships.
• Monitor market trends, competitor offerings, and developments within the UAE property market.
• Cross-sell relevant banking products and services, including accounts, credit cards, bancassurance, and wealth solutions.
• Ensure a high standard of customer service and maintain long-term customer relationships.
• Maintain accurate records of customer interactions, applications, and sales activities within the bank's systems.
• Prepare and submit regular sales pipeline, performance, and management reports.
• Ensure compliance with regulatory requirements, KYC, AML, and internal risk and governance policies.
• Contribute to team objectives and support initiatives aimed at improving sales productivity and customer satisfaction.

Minimum Qualification

• Bachelor's Degree or equivalent qualification.

Minimum Experience

• Minimum 2 years of experience in a sales-focused role.
• At least 1 year of mortgage sales experience preferred.
• Strong understanding of mortgage products, home financing solutions, and the mortgage application process.
• Experience in customer acquisition, relationship management, and sales target achievement.
• Knowledge of front-end credit assessment and lending principles.
• Strong communication, negotiation, and interpersonal skills.
• Good understanding of the UAE property market is an advantage.
• Proficiency in Microsoft Office applications.
• Fluent English communication skills (written and spoken).
• Arabic language skills would be an advantage.