Senior Associate - Mortgage Credit Specialist

Yubi Group; Dubai; On-site; AED 60,000 - 100,000; Full time

Job summary

An established industry player is looking for a Senior Associate - Mortgage Credit Specialist to take charge of mortgage loan processing. This role is pivotal in assessing and underwriting applications, ensuring compliance with regulations while maintaining high service standards. You will collaborate with various teams to optimize loan conversions and enhance efficiency. If you have a strong analytical mindset, excellent communication skills, and a solid background in mortgage credit, this is your chance to make a significant impact in a dynamic environment. Join a team that values innovation and quality in the financial services sector.

Qualifications

• 3-5 years of experience in mortgage credit, underwriting, or loan processing.
• Strong understanding of mortgage loan products and regulatory requirements.

Responsibilities

• Lead end-to-end processing of mortgage loan applications.
• Conduct thorough credit and risk assessments for compliance.
• Monitor quality of loan submissions and propose process improvements.

Skills

Analytical Skills

Problem-Solving Skills

Attention to Detail

Organizational Skills

Communication Skills

Interpersonal Skills

Education

Bachelor’s degree in Finance

Bachelor’s degree in Economics

Bachelor’s degree in Business Administration

Relevant certifications (e.g., CFA, Mortgage Broker License)

Tools

Mortgage Software

Financial Tools

Job description

Job Description

Senior Associate - Mortgage Credit Specialist (3 - 8 years experience)

Role Overview :

As a Senior Associate - Mortgage Credit Specialist, you will take individual ownership of the conversion of assigned mortgage loans sourced by the Mortgage Acquisition team. This key role involves assessing, underwriting, and processing mortgage applications, ensuring compliance with regulatory standards and Yubi’s policies. You will play a pivotal role in driving loan approvals and maintaining high service standards for our clients.

Key Responsibilities :

Mortgage Loan Application Processing :

Lead the end-to-end processing of assigned mortgage loan applications, from application to final approval.

Independently assess and underwrite loan applications, ensuring adherence to Yubi’s guidelines and financial regulations.

Prepare and package mortgage applications with accuracy.

Client Communication :

Maintain strong communication with clients to gather necessary documentation and address any queries or concerns.

Provide clear and timely updates on loan status to ensure a seamless experience for clients.

Risk Assessment and Compliance :

Conduct thorough credit and risk assessments to ensure compliance with Yubi’s risk management policies.

Identify and mitigate potential risks associated with mortgage applications.

Team Collaboration :

Work closely with the Mortgage Acquisition team to optimize the loan conversion process and improve efficiency.

Coordinate with cross-functional teams (e.g., legal, compliance, operations) to resolve issues and ensure smooth loan approvals.

Performance and Quality Assurance :

Monitor and analyse the quality of loan submissions and ensure compliance with internal and external standards.

Identify bottlenecks in the process and propose solutions to improve timelines and reduce delays.

Policy and Process Optimization :

Stay updated on changes in mortgage regulations and internal policies.

Propose process improvements to enhance loan conversion rates and overall team efficiency.

Qualifications : Experience :

Minimum of 3–5 years of experience in mortgage credit, underwriting, or loan processing.

Strong understanding of mortgage loan products, underwriting criteria, and regulatory requirements.

Skills :

Exceptional analytical and problem-solving skills to assess loan applications and identify risks.

Strong attention to detail and organizational skills to manage multiple loan processes simultaneously.

Excellent communication and interpersonal skills to build rapport with clients and team members.

Knowledge :

In-depth knowledge of mortgage regulations, compliance requirements, and industry best practices.

Familiarity with mortgage software and financial tools is a plus.

Education :

Bachelor’s degree in Finance, Economics, Business Administration, or a related field. Relevant certifications (e.g., CFA, Mortgage Broker License) are a plus.