Senior Mortgage Specialist

Iron Will; Abu Dhabi; Remote; AED 234,000 - 324,000; Full time

Benefits offered by this job

Remote working flexibility

Opportunities to work with property‑or

Career development and advancement

Job summary

Iron Will is hiring a Senior Mortgage Specialist for the United Arab Emirates. This fully remote role requires 5–8 years in mortgage lending, strong knowledge of UAE regulations, and the ability to guide clients through the mortgage process.

The ideal candidate will manage applications, evaluate affordability, coordinate with banks and legal partners, and ensure compliance with lender policies. Excellent communication and CRM proficiency are essential.

Qualifications

• Bachelor's degree in Finance, Banking, Business Administration, or a related field.
• 5–8 years of experience in mortgage lending, retail banking, property finance, or mortgage brokerage.
• Strong understanding of UAE mortgage products, lending criteria, credit assessment, and property financing procedures.
• Familiarity with UAE Central Bank requirements and applicable mortgage regulations.
• Excellent client relationship management, negotiation, analytical, and communication skills.
• Proficiency in Microsoft Office and mortgage origination or CRM systems.

Responsibilities

• Manage mortgage applications from initial assessment through approval and completion.
• Assess client financial profiles, income, liabilities, creditworthiness, and borrowing capacity.
• Explain mortgage products, interest or profit rates, repayment structures, fees, and eligibility requirements.
• Review income statements, bank statements, credit reports, property documents, and supporting financial records.
• Coordinate with banks, mortgage lenders, brokers, valuers, developers, and legal representatives.
• Evaluate mortgage options based on client requirements, affordability, and applicable lending criteria.
• Monitor application progress and follow up on outstanding documents, approvals, and conditions.
• Ensure mortgage documentation is complete, accurate, and compliant with lender policies.
• Support property financing transactions, including purchases, refinancing, and applicable equity-release arrangements.
• Identify potential application risks, inconsistencies, and affordability concerns.
• Maintain accurate client records and protect confidential financial and personal information.
• Ensure compliance with relevant UAE mortgage regulations, AML requirements, and internal procedures.
• Resolve application issues and communicate updates clearly to clients and stakeholders.
• Maintain relationships with financial institutions and identify suitable financing solutions.
• Prepare reports on application volumes, approval rates, turnaround times, and business performance.

Skills

Mortgage lending

Credit assessment

Analytical

Negotiation

Communication

Education

Bachelor's degree in Finance, Banking, Business Administration, or a related field

Tools

Microsoft Office

CRM systems

Mortgage origination

Job description

We\'re Hiring: Senior Mortgage Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Mid-Level to Senior

Work Arrangement: Fully Remote, subject to business requirements

About Us

We are a construction-focused organization involved in property development, project delivery, and commercial operations. Our teams collaborate across Finance, Legal, Commercial, and Project Management to support property-related financing, financial planning, and effective risk management.

The Role

We are seeking an experienced Senior Mortgage Specialist to manage mortgage applications, assess financing eligibility, coordinate with financial institutions, and guide clients through the mortgage process. The ideal candidate will have strong knowledge of mortgage products, lending requirements, financial documentation, and applicable UAE regulations.

Key Responsibilities

• Manage mortgage applications from initial assessment through approval and completion.
• Assess client financial profiles, income, liabilities, creditworthiness, and borrowing capacity.
• Explain mortgage products, interest or profit rates, repayment structures, fees, and eligibility requirements.
• Review income statements, bank statements, credit reports, property documents, and supporting financial records.
• Coordinate with banks, mortgage lenders, brokers, valuers, developers, and legal representatives.
• Evaluate mortgage options based on client requirements, affordability, and applicable lending criteria.
• Monitor application progress and follow up on outstanding documents, approvals, and conditions.
• Ensure mortgage documentation is complete, accurate, and compliant with lender policies.
• Support property financing transactions, including purchases, refinancing, and applicable equity-release arrangements.
• Identify potential application risks, inconsistencies, and affordability concerns.
• Maintain accurate client records and protect confidential financial and personal information.
• Ensure compliance with relevant UAE mortgage regulations, anti-money laundering requirements, and internal procedures.
• Resolve application issues and communicate updates clearly to clients and stakeholders.
• Maintain relationships with financial institutions and identify suitable financing solutions.
• Prepare reports on application volumes, approval rates, turnaround times, and business performance.

Qualifications and Experience

• Bachelor's degree in Finance, Banking, Business Administration, or a related field.
• At least 5–8 years of experience in mortgage lending, retail banking, property finance, or mortgage brokerage.
• Strong understanding of UAE mortgage products, lending criteria, credit assessment, and property financing procedures.
• Familiarity with relevant UAE Central Bank requirements and applicable mortgage regulations.
• Excellent client relationship management, negotiation, analytical, and communication skills.
• Proficiency in Microsoft Office and mortgage origination or customer relationship management systems.

Preferred Certifications

• Mortgage lending or banking qualifications.
• Relevant credit risk or financial analysis certification.
• Anti-money laundering and compliance training.

Key Performance Indicators (KPIs)

• Mortgage application processing and approval rates.
• Accuracy and completeness of application documentation.
• Application turnaround times and successful completion rates.
• Client satisfaction and relationship retention.
• Compliance with lending policies and regulatory requirements.
• Quality of credit assessments and risk identification.

What We Offer

• Competitive compensation based on experience and qualifications.
• Remote working flexibility.
• Opportunities to work with property-related financing and commercial teams.
• A professional and collaborative working environment.
• Career development and advancement opportunities.