Senior Mortgage Advisor – UAE (Hybrid)

Black Wall Street USA Ambassadors

United Arab Emirates

Hybrid

AED 201,000 - 335,000

Full time

15 hours ago

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Benefits offered by this job

Competitive salary

Professional development

Career advancement opportunities

Collaborative working environment

Exposure to UAE mortgage market

Job summary

Black Wall Street USA Ambassadors seeks a Senior Mortgage Specialist to manage mortgage applications, assess borrower eligibility, coordinate property financing, and support clients through the mortgage process in the UAE. The role requires extensive knowledge of conventional and Islamic mortgage products, compliance with UAE banking regulations, and strong client relationship skills.

On-site or hybrid work arrangements apply, with senior-level responsibilities and potential for professional

Qualifications

Bachelor's degree in Finance, Banking, Business Administration, Economics, or a related discipline.
At least 5–8 years of relevant experience in mortgage lending, home financing, retail banking, credit assessment, or property finance.
Strong understanding of UAE mortgage products, lending procedures, and applicable regulatory requirements.
Experience assessing borrower affordability, income verification, creditworthiness, and repayment capacity.
Familiarity with property valuation, title documentation, purchase agreements, and mortgage registration processes in the UAE.
Knowledge of conventional mortgage financing and Islamic home financing structures is an advantage.
Understanding of customer due diligence, KYC requirements, AML controls, and responsible lending practices.
Experience using banking systems, customer relationship management platforms, and loan origination systems.
Strong financial analysis, documentation review, and problem-solving skills.
Excellent communication, negotiation, and customer relationship management abilities.

Responsibilities

Mortgage Advisory: Guide clients through available mortgage products, financing options, repayment structures, interest or profit rates, and associated fees.
Application Management: Manage mortgage applications from initial consultation and document collection through assessment, approval, and disbursement.
Eligibility Assessment: Evaluate applicants' income, employment stability, existing liabilities, credit history, repayment capacity, and debt-to-income position.
Financial Analysis: Review salary certificates, bank statements, financial records, credit reports, and other supporting documents to assess affordability.
Property Financing: Coordinate property valuation, title documentation, purchase agreements, and other requirements relevant to mortgage approval.
Credit Coordination: Liaise with credit risk teams, underwriters, relationship managers, and lending departments to facilitate application assessment and approval.
Regulatory Compliance: Ensure mortgage applications comply with applicable UAE Central Bank requirements, lending policies, anti-money laundering controls, and know-your-customer procedures.
Documentation Review: Verify the completeness, consistency, and accuracy of customer identification, income, property, and financing documents.
Customer Relationship Management: Build and maintain relationships with clients, real estate agents, property developers, brokers, and other referral partners.
Approval Negotiation: Coordinate with relevant stakeholders to resolve documentation gaps, clarify credit concerns, and support appropriate financing decisions.
Pipeline Management: Monitor application status, identify processing delays, and ensure timely follow-up with customers and internal teams.
Mortgage Product Knowledge: Maintain up-to-date knowledge of conventional and Islamic mortgage products, eligibility criteria, fees, and market developments.
Risk Identification: Identify potential repayment concerns, inconsistencies, documentation irregularities, and other mortgage-related risks for appropriate escalation.
Customer Service: Explain mortgage terms, repayment obligations, applicable charges, and approval conditions clearly to customers.
Portfolio Monitoring: Support the review of mortgage portfolio performance, arrears indicators, and customer service issues where required.
Reporting: Prepare regular reports covering application volumes, approval rates, conversion performance, processing timelines, and outstanding cases.
Process Improvement: Recommend improvements to application handling, documentation checks, customer communication, and mortgage processing efficiency.
Team Support: Provide guidance to junior mortgage specialists and contribute to knowledge sharing and service quality improvement.