Senior Mortgage Documentation Specialist

The Energy Shift; United Arab Emirates; Hybrid; AED 150,000 - 190,000; Full time

Benefits offered by this job

Career growth

Professional development

Competitive compensation

Job summary

The Energy Shift in the UAE seeks a Senior Mortgage Documentation Specialist to manage and review mortgage documentation throughout the financing process. You will ensure files are complete, accurate, and compliant with UAE banking regulations and internal policies, coordinating with credit, legal, and operations teams.

This senior role requires keen attention to detail, strong documentation skills, and the ability to drive processes across mortgage registration, valuation, and disbursement

Qualifications

• Bachelor's degree or diploma in Banking, Finance, Business Administration, Law, or a related discipline.
• 5–8 years of experience in mortgage documentation, retail lending operations, home finance, or banking documentation.
• Strong understanding of mortgage processing, loan documentation, collateral requirements, and property financing procedures.
• Familiarity with UAE banking practices, mortgage registration procedures, and regulatory requirements.
• Experience reviewing facility agreements, mortgage contracts, title deeds, valuation reports, and customer due diligence documents.
• Knowledge of KYC, AML, customer verification, data protection, and internal lending controls.
• Experience coordinating with credit, legal, operations, relationship management, and property registration teams.
• Proficiency in Microsoft Office and familiarity with loan origination systems, document management platforms, and banking applications.
• Strong document review, analytical, organizational, and problem-solving skills.
• Excellent written and verbal communication skills with stakeholders.

Responsibilities

• Review, prepare, verify, and process mortgage documentation for residential and commercial property financing.
• Ensure applications and supporting documents are complete and aligned with approved credit terms.
• Verify identification, income docs, property details, title deeds, and valuation reports.
• Coordinate with managers, credit, legal, operations, and external service providers to obtain documents.
• Prepare and review mortgage offers, facility agreements, security documents, consent forms, and related paperwork.
• Ensure compliance with internal policies and UAE regulatory requirements.
• Monitor files from application through disbursement and registration.
• Identify discrepancies and resolve documentation risks promptly.
• Coordinate valuation, title verification, mortgage registration, and related procedures.
• Verify pre-disbursement conditions before funds release.
• Maintain accurate records and document tracking systems.
• Support quality assurance, audits, and regulatory inspections.
• Monitor turnaround times and follow up on pending cases.
• Provide guidance to junior staff and review their work.

Skills

Mortgage documentation

Lending operations

Regulatory compliance

KYC/AML

Documentation review

Stakeholder coordination

MS Office

Loan origination systems

Document management platforms

Education

Bachelor's degree or diploma in Banking, Finance, Business Administration, Law, or related discipline

Tools

Loan origination systems

Document management platforms

Banking applications

Job description

Job Title: Senior Mortgage Documentation Specialist

Location: UAE

Employment Type: Full-Time

Work Arrangement: On-Site / Hybrid, depending on business requirements

Level: Senior

About Us

We are seeking an experienced Senior Mortgage Documentation Specialist to manage and review mortgage documentation throughout the financing process. The successful candidate will ensure that mortgage files are complete, accurate, properly executed, and compliant with applicable UAE banking regulations, internal policies, and lending requirements. This role requires strong knowledge of mortgage documentation, attention to detail, and effective coordination with credit, legal, operations, sales, and property registration teams.

Key Responsibilities

• Review, prepare, verify, and process mortgage documentation for residential and commercial property financing.
• Ensure mortgage applications and supporting documents are complete, accurate, and consistent with approved credit terms.
• Verify customer identification, income documents, property details, title deeds, valuation reports, and other required supporting records.
• Coordinate with relationship managers, credit teams, legal departments, customers, developers, and external service providers to obtain outstanding documents.
• Prepare and review mortgage offers, facility agreements, security documents, consent forms, undertakings, and related legal paperwork.
• Ensure all documents meet internal lending policies, documentation standards, and applicable UAE regulatory requirements.
• Monitor mortgage files from initial application through approval, documentation completion, registration, and disbursement.
• Identify discrepancies, missing information, expired documents, and potential documentation risks, ensuring timely resolution.
• Coordinate property valuation, title verification, mortgage registration, and related procedures with relevant parties.
• Verify that all pre-disbursement conditions are satisfied before recommending files for completion or release of funds.
• Maintain accurate mortgage records, digital files, checklists, and document tracking systems.
• Liaise with legal counsel and relevant property registration authorities to support mortgage registration and release processes.
• Support quality assurance reviews, internal audits, compliance checks, and regulatory inspections.
• Monitor documentation turnaround times and follow up on pending cases to meet agreed service-level targets.
• Provide guidance to junior documentation staff and review their work to ensure consistency and accuracy.
• Recommend improvements to documentation workflows, document management systems, and operational controls.
• Maintain confidentiality and ensure secure handling of customer information and sensitive financial records.

Qualifications and Experience

• Bachelor's degree or diploma in Banking, Finance, Business Administration, Law, or a related discipline.
• At least 5–8 years of experience in mortgage documentation, retail lending operations, home finance, or banking documentation.
• Strong understanding of mortgage processing, loan documentation, collateral requirements, and property financing procedures.
• Familiarity with UAE banking practices, mortgage registration procedures, and relevant regulatory requirements.
• Experience reviewing facility agreements, mortgage contracts, title deeds, valuation reports, and customer due diligence documents.
• Knowledge of KYC, AML, customer verification, data protection, and internal lending controls.
• Experience coordinating with credit, legal, operations, relationship management, and property registration teams.
• Proficiency in Microsoft Office and familiarity with loan origination systems, document management platforms, and banking applications.
• Strong document review, analytical, organizational, and problem‑solving skills.
• Excellent written and verbal communication skills, with the ability to coordinate effectively with internal and external stakeholders.
• High attention to detail and the ability to manage multiple mortgage files under tight deadlines.
• Relevant banking, mortgage, compliance, or documentation certifications are an advantage.

Key Performance Indicators (KPIs)

• Documentation Accuracy: Maintain high levels of accuracy and completeness across mortgage files.
• Processing Turnaround: Complete documentation reviews and processing within agreed service-level timelines.
• Compliance: Ensure adherence to internal policies, regulatory requirements, and documentation standards.
• Disbursement Readiness: Minimize delays caused by incomplete or incorrect documentation.
• Error Reduction: Reduce documentation discrepancies, rework, and rejected submissions.
• File Management: Maintain accurate records and effective tracking of pending mortgage cases.
• Audit Performance: Support successful audit outcomes with complete and accessible documentation.
• Team Support: Improve consistency, productivity, and knowledge sharing across the documentation team.

What We Offer

• Competitive compensation based on qualifications and experience.
• Opportunities to work with experienced banking and mortgage professionals.
• Professional development and exposure to mortgage operations and lending processes.
• A collaborative environment focused on compliance, service quality, and operational excellence.
• Opportunities for career growth within banking and financial services.
• A supportive, performance-driven workplace that values accuracy, accountability, and continuous improvement.