Senior Mortgage Specialist

The Leadership Memo by Paul Kensington; United Arab Emirates; Remote; AED 180,000 - 300,000; Full time

Benefits offered by this job

Fully remote work structure

Professional development opportunities

Collaborative, cross-functional team

Exposure to mortgage origination and分析

Job summary

The Leadership Memo by Paul Kensington is seeking a Senior Mortgage Specialist for a fully remote UAE role. You will review mortgage applications, coordinate workflows, and ensure compliance with lending requirements while collaborating with banks, brokers, and legal partners.

Responsibilities include reviewing borrower documents, assessing eligibility, and maintaining accurate digital records. Strong Excel skills and at least several years in mortgage operations are expected.

Qualifications

• Bachelor's degree in Finance, Banking, Business Administration, Accounting, Economics, or a related discipline.
• Significant mortgage lending or operations experience.
• Strong understanding of mortgage products, residential financing, and processing.
• Knowledge of affordability assessments, LTV, DTI, and repayment structures.
• Familiar with UAE mortgage lending practices and compliance standards.
• Proficient in Excel and financial data analysis.

Responsibilities

• Review mortgage applications and documentation for completeness and processing requirements.
• Coordinate mortgage workflows from submission to completion.
• Examine income, employment, bank statements, and liabilities.
• Review property valuation reports and title documentation.
• Assess eligibility against lender criteria and financing requirements.
• Coordinate with credit teams to resolve discrepancies and obtain information.
• Monitor loan-to-value ratios, debt-to-income, and affordability data.
• Prepare processing reports and portfolio performance dashboards.
• Support compliance reviews and internal audits remotely.
• Provide guidance to junior staff and ensure consistent processing standards.

Skills

Analytical thinking

Numerical skills

Communication skills

Attention to detail

Education

Bachelor's degree (Finance/Banking/BA/Accounting/Economics)

Tools

Mortgage origination platforms

CRM software

Document management tools

Banking systems

Job description

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

Job Title: Senior Mortgage Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

The Senior Mortgage Specialist is responsible for providing mortgage operations support, financing documentation review, loan application coordination, and portfolio monitoring. The role focuses on evaluating mortgage application information, reviewing property and borrower documentation, coordinating financing processes, monitoring loan conditions, and supporting compliance with applicable lending requirements. Working entirely remotely, the specialist collaborates with mortgage lenders, banks, brokers, property professionals, credit teams, legal representatives, and customers to facilitate accurate and efficient mortgage processing.

Key Responsibilities

• Review mortgage applications and supporting documentation for completeness, consistency, and processing requirements.
• Coordinate mortgage application workflows from initial submission through documentation review and completion.
• Examine borrower financial information, income records, employment documentation, bank statements, and existing liability details.
• Review property valuation reports, title documentation, sale and purchase agreements, and relevant property information.
• Assess mortgage eligibility information against established lender criteria and documented financing requirements.
• Coordinate with credit assessment teams to resolve application discrepancies and obtain outstanding information.
• Review loan-to-value ratios, debt-to-income calculations, repayment structures, and mortgage affordability information.
• Monitor mortgage application progress, approval conditions, documentation requirements, and outstanding processing tasks.
• Coordinate with banks, mortgage brokers, property developers, real estate agents, and legal representatives.
• Review mortgage offer documentation, repayment schedules, financing terms, and loan condition records.
• Support mortgage refinancing, restructuring, early settlement, and loan amendment documentation processes.
• Monitor mortgage portfolio information, repayment status, overdue accounts, and reported account discrepancies.
• Prepare mortgage processing reports, application status summaries, and portfolio performance dashboards.
• Identify documentation gaps, process delays, and potential compliance concerns and coordinate appropriate follow-up.
• Maintain accurate digital records of applications, approvals, supporting documents, and customer correspondence.
• Review mortgage-related fees, charges, insurance requirements, and other documented financing costs.
• Support internal audits and compliance reviews through document retrieval and evidence preparation.
• Monitor relevant UAE mortgage regulations, lending requirements, and internal financing policies.
• Recommend improvements to mortgage processing workflows, documentation standards, and customer service procedures.
• Provide technical guidance to junior mortgage operations personnel and support consistent application processing standards.

Qualifications and Experience

• Bachelor's degree in Finance, Banking, Business Administration, Accounting, Economics, or a related discipline.
• Significant experience in mortgage lending, home financing, retail banking, credit administration, or mortgage operations.
• Strong understanding of mortgage products, residential property financing, and loan processing procedures.
• Knowledge of mortgage affordability assessments, loan-to-value ratios, debt-to-income calculations, and repayment structures.
• Experience reviewing borrower income documents, bank statements, property records, valuation reports, and financing agreements.
• Familiarity with UAE mortgage lending practices, applicable regulatory requirements, and banking compliance standards.
• Understanding of credit risk principles, customer due diligence, anti-money laundering requirements, and documentation controls.
• Experience coordinating mortgage applications with banks, brokers, property professionals, and legal service providers.
• Familiarity with mortgage origination platforms, banking systems, customer relationship management software, and document management tools.
• Proficiency in Microsoft Excel and financial data analysis.
• Strong analytical, numerical, and problem-solving abilities.
• Excellent written and verbal communication skills.
• High attention to detail and ability to handle confidential financial and customer information.
• Ability to manage multiple applications and deadlines in a fully remote working environment.
• Relevant banking, mortgage lending, or financial services certifications are advantageous.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to contribute to mortgage financing operations and customer service improvement.
• Collaboration with banking, credit, property, and financial services professionals.
• Exposure to mortgage origination systems, lending processes, and property financing products.
• Opportunities for professional development in mortgage operations and banking services.

Application Subject: Application – Senior Mortgage Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This is a fully remote mortgage application coordination, financial document review, financing analysis, portfolio monitoring, and operational support role. Physical property inspections, property valuations, in-person identity verification, and original document handling must be performed by qualified local personnel where required. Binding credit decisions, mortgage approvals, lending commitments, execution of financing agreements, regulated financial advice, formal regulatory submissions, and other authorized banking activities must be undertaken by appropriately licensed or delegated professionals.