Senior Mortgage Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Mid-Level to Senior

Work Arrangement: Fully Remote

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.

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.

• 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…