Senior Banking Specialist

Ertiqaa Finance Broker; Ajman; On-site; AED 120,000 - 180,000; Full time

Job summary

Ertiqaa Finance Broker is looking for a Senior Banking Specialist to manage the complete personal loan lifecycle, ensuring compliance with UAE banking regulations and fostering strong relationships with banks. The ideal candidate will have at least 5 years of banking experience in the UAE, particularly in consumer lending.

This role demands strong analytical and communication skills, with a focus on maintaining high-quality service and improving approval rates. Candidates with existing relationships in UAE banking institutions are especially encouraged to apply.

Qualifications

• Minimum 5 years of banking experience in the UAE.
• Prior experience with leading UAE banks is mandatory.
• Strong specialization in personal loans and consumer lending.

Responsibilities

• Analyze loan applications and evaluate customers' financial profiles.
• Ensure full compliance with UAE banking regulations.
• Maintain strong professional relationships with banks and stakeholders.
• Prepare and submit financing applications maintaining high approval quality.

Skills

Analytical skills

Customer-focused approach

Communication abilities

Problem-solving skills

Attention to detail

Job description

The Senior Banking Specialist will manage the complete personal loan lifecycle from customer assessment to final disbursement. The role requires a deep understanding of UAE banking regulations, strong analytical skills, and the ability to build and maintain professional relationships with bank stakeholders.

Responsibilities

• Analyze loan applications and evaluate customers' financial profiles, repayment capacity, and eligibility in accordance with bank credit policies.
• Calculate Debt Burden Ratio (DBR) and assess affordability and credit risk.
• Review, verify, and validate all customer documentation to ensure accuracy, completeness, and compliance with banking requirements.
• Identify missing documents, discrepancies, or potential risks before submission.
• Prepare and submit financing applications while maintaining high approval quality and minimizing rejections.
• Coordinate with credit operations, underwriting, compliance, and approval departments to ensure efficient case progression.
• Monitor loan applications through every stage and proactively follow up until final approval and disbursement.
• Escalate delayed or exceptional cases through the appropriate banking channels to ensure timely resolution.
• Maintain strong professional relationships with banks, branch managers, relationship managers, credit analysts, operations teams, and key decision‑makers across multiple UAE banks.
• Provide clients with professional guidance on personal loan products, eligibility criteria, documentation requirements, and financing solutions.
• Ensure full compliance with UAE banking regulations, internal bank policies, and company procedures.
• Maintain accurate records of customer files, communications, approvals, and supporting documentation.
• Identify operational improvements to enhance efficiency, reduce processing time, and improve approval rates.
• Work closely with the sales team to structure cases for maximum approval potential.
• Resolve customer inquiries and provide regular updates throughout the financing process.
• Maintain confidentiality of customer information and banking data at all times.
• Meet individual and company performance targets, including case completion, turnaround time, approval ratio, and customer satisfaction.
• Continuously stay updated on changes in UAE banking policies, lending criteria, and personal loan products across major banks.
• Support the development and strengthening of strategic banking partnerships to improve service quality and processing efficiency.
• Deliver exceptional customer service while maintaining professionalism, accuracy, and attention to detail throughout every stage of the financing process.

Experience Requirements

• Minimum 5 years of banking experience in the UAE.
• Prior experience with leading UAE banks is mandatory.
• Strong specialization in personal loans / consumer lending.
• Proven track record in one or more of the following roles: Credit Analyst, Loan Processing Specialist, Banking Operations Officer, Relationship Manager (Personal Lending), Business Development / Banking Partnerships.

Technical Expertise

• Strong understanding of personal loan underwriting processes.
• In‑depth knowledge of credit assessment, DBR calculation, and risk evaluation.
• Familiarity with UAE Central Bank regulations and lending guidelines.
• Ability to review and structure loan applications to maximize approval rates.
• Strong understanding of bank documentation requirements and compliance standards.
• Experience working with multiple UAE banks and their internal systems.

Skills & Competencies

• Strong analytical and financial assessment skills.
• Excellent communication and negotiation abilities.
• High attention to detail and accuracy in documentation.
• Ability to manage multiple cases under tight deadlines.
• Strong follow‑up and case management skills.
• Professional relationship‑building with banking stakeholders.
• Ability to work under pressure and achieve performance targets.
• Strong problem‑solving and decision‑making abilities.
• Professional traits: disciplined, proactive, results‑oriented.
• Strong sense of ownership and accountability.
• Confidentiality and data protection awareness.
• Customer‑focused mandate with an advisory approach.
• Strong network within UAE banking institutions is a strong advantage.

Preferred Attributes

• Existing relationships with UAE bank credit or operations teams.
• Experience handling high‑volume personal loan portfolios.
• Exposure to multiple banks and varied credit policies.
• Ability to escalate and resolve complex banking cases efficiently.
• Demonstrated success in improving approval rates and turnaround times.

Ideal Mindset

The ideal candidate is not just an employee, but a banking specialist who understands the full lending ecosystem, builds strong institutional relationships, and consistently delivers high‑quality, compliant, and approved financing solutions.

Mandatory Mandate

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