Senior Mortgage Specialist

Focus immobilier Côte d'Ivoire; Abu Dhabi; Remote; AED 240,000 - 480,000; Full time

Job summary

Focus immobilier Côte d'Ivoire seeks a Senior Mortgage Specialist to oversee mortgage-related activities, coordinate financing arrangements, and support property transactions across residential, commercial, and construction sectors.

The role requires strong knowledge of mortgage products, loan assessment, and regulatory compliance, with responsibilities spanning from initial assessment to disbursement and closing, in a fully remote UAE setting.

Qualifications

• Experience with mortgage products, loan assessment, and compliance requirements.
• Ability to review borrower financials, documents, and credit reports.

Responsibilities

• Lead mortgage applications from inquiry to approval and completion.
• Coordinate with banks and lenders to obtain terms.
• Review borrower profiles, including income, assets, and liabilities.
• Assess debt-to-income ratios and collateral, ensuring compliance.

Skills

Mortgage products knowledge

Credit evaluation

Regulatory compliance

Financial documentation

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

About Us

We are a construction-focused organization committed to delivering complex projects through disciplined contract management, operational excellence, and collaborative project delivery. Our distributed teams collaborate across Project Management, Construction, Engineering, Procurement, Commercial, Legal, Finance, Human Resources, Design, Quality, HSE, Consultants, Contractors, Suppliers, Logistics, Administration, Information Technology, and Executive Leadership to ensure sustainable growth, financial stability, regulatory compliance, and successful project execution.

We value professionals who combine technical expertise, commercial awareness, and a commitment to transparent financial practices. Through structured processes and cross-functional collaboration, we strive to maintain strong financial governance, support property-related transactions, and build long-term relationships with financial institutions, clients, and business partners.

The Role

We are seeking an experienced Senior Mortgage Specialist to oversee mortgage-related activities, coordinate property financing arrangements, evaluate loan applications, and support financing solutions for residential, commercial, and construction-related property transactions. The ideal candidate will bring strong expertise in mortgage products, loan assessment, financial documentation, credit evaluation, property valuation coordination, and regulatory compliance.

This role will focus on managing mortgage applications from initial assessment through approval and completion, coordinating with banks and lending institutions, reviewing borrower financial profiles, and ensuring that financing arrangements align with client requirements and organizational objectives. The Senior Mortgage Specialist will collaborate with Finance, Legal, Commercial, Property Management, Project Management, external lenders, valuation professionals, and clients to facilitate efficient mortgage processing in accordance with applicable United Arab Emirates laws and regulations.

Key Responsibilities

• Lead and coordinate mortgage application activities from initial inquiry through approval, documentation, and completion.
• Review mortgage applications to ensure accuracy, completeness, and compliance with lender requirements.
• Assess applicants' financial circumstances, income sources, liabilities, repayment capacity, and creditworthiness.
• Evaluate borrower documentation, including salary certificates, bank statements, identification documents, credit reports, and financial declarations.
• Analyze debt-to-income ratios, loan-to-value ratios, repayment obligations, and other relevant affordability indicators.
• Identify suitable mortgage products based on borrower eligibility, property characteristics, financing needs, and risk considerations.
• Explain available mortgage options, interest or profit rate structures, repayment terms, fees, and associated conditions.
• Coordinate with banks, mortgage providers, financial institutions, and lending partners to obtain competitive financing terms.
• Maintain productive relationships with relationship managers, credit officers, mortgage underwriters, and lending operations teams.
• Review mortgage eligibility criteria and communicate relevant requirements to clients and internal stakeholders.
• Monitor application progress and follow up on outstanding documents, lender queries, valuations, and approval conditions.
• Coordinate property valuation requests and review valuation reports for completeness and consistency with financing requirements.
• Liaise with property developers, real estate agents, sellers, and legal representatives to support mortgage-backed transactions.
• Review property-related documentation, including title information, sale and purchase agreements, and other lender-required records.
• Coordinate with Legal and Compliance teams to verify that mortgage documentation and transaction processes meet applicable requirements.
• Support mortgage financing arrangements for eligible residential, commercial, and investment properties.
• Assist with construction-related property financing matters where relevant, including coordination of lender requirements and project documentation.
• Review financing proposals and compare lender offers based on rates, fees, tenure, repayment structures, and contractual conditions.
• Prepare mortgage comparison summaries and financing recommendations for management review and client consideration.
• Explain pre-approval, conditional approval, final approval, disbursement, and completion requirements.
• Track mortgage approval conditions and ensure that all required actions are completed before disbursement.
• Review loan offer letters, facility agreements, repayment schedules, and related financing documents for accuracy.
• Coordinate the collection, verification, and submission of documents required for mortgage registration and completion.
• Monitor application turnaround times and identify opportunities to reduce processing delays.
• Maintain accurate mortgage pipeline records, application statuses, approval milestones, and completion dates.
• Develop and maintain standardized mortgage application checklists, templates, and document control procedures.
• Ensure that confidential borrower information and financial records are handled securely and appropriately.
• Apply relevant data protection, customer confidentiality, and information security requirements throughout mortgage processing.
• Conduct preliminary risk assessments to identify inconsistencies, affordability concerns, documentation gaps, or potential fraud indicators.
• Escalate unusual transactions, suspicious documentation, material credit concerns, and compliance issues through appropriate channels.
• Support anti-money laundering, customer due diligence, sanctions screening, and other applicable financial crime prevention procedures.
• Ensure mortgage activities comply with relevant UAE laws, regulations, lender policies, and internal control requirements.
• Maintain awareness of applicable mortgage lending requirements, property financing rules, and regulatory developments.
• Coordinate with credit and risk teams to address underwriting questions and provide additional supporting information.
• Review declined, delayed, or conditionally approved applications to identify potential solutions or alternative financing options.
• Support clients in understanding lender feedback, approval conditions, documentation requirements, and available next steps.
• Manage complex mortgage cases involving multiple income sources, self-employment, business ownership, or non-standard financial profiles.
• Assess refinancing and mortgage restructuring requests by reviewing existing obligations, proposed terms, and relevant financial considerations.
• Support mortgage renewal, early settlement, liability transfer, and refinancing processes where applicable.
• Monitor changes in interest rates, lending criteria, property market conditions, and mortgage product offerings.
• Maintain current knowledge of lender policies, financing limits, eligibility requirements, and processing procedures.
• Build and maintain a reliable network of lending partners and property transaction stakeholders.
• Coordinate with Finance to reconcile mortgage-related fees, valuation charges, settlement amounts, and other transaction costs.
• Review mortgage-related calculations and repayment schedules for consistency with approved financing terms.
• Assist with the preparation of management reports covering application volumes, approval rates, processing times, conversion rates, and outstanding cases.
• Analyze mortgage pipeline data to identify bottlenecks, recurring documentation issues, and opportunities for process improvement.
• Prepare periodic updates on application progress, lender performance, financing risks, and transaction completion status.
• Maintain organized records of lender correspondence, approval notices, financing agreements, and supporting documentation.
• Support internal and external audits by providing complete, accurate, and traceable mortgage-related records.
• Coordinate responses to audit findings, compliance reviews, and lender information requests.
• Develop strong working relationships with clients through clear communication, timely follow-up, and professional service.
• Manage client expectations regarding approval timelines, financing conditions, documentation requirements, and potential risks.
• Resolve mortgage processing issues by coordinating with relevant internal departments and external stakeholders.
• Identify opportunities to improve client experience throughout the mortgage application and completion process.