Relationship Officer - Mortgage

Credit Market.ae is a multi-bank financial advisory and distribution platform affiliated with leading UAE banks and fintech institutions. We provide end-to-end financial solutions including:

• Home Finance (Primary & Secondary Market)
• Commercial Property Finance
• Buy-Out & Equity Release
• Business Bank Account Opening

Our Mortgage Division works closely with leading UAE banks, developers, real estate brokers, and property investors to provide structured home and commercial financing solutions.

The Relationship Officer – Mortgage Sales will be responsible for sourcing, advising, and closing Retail & Commercial Property Finance transactions.

The role requires strong understanding of UAE mortgage regulations, property market dynamics, and bank eligibility criteria.

• Source home finance and commercial mortgage clients.
• Develop referral networks with:
  • Property developers
  • Wealth managers
  • Corporate clients
• Generate leads through networking, field visits, and digital channels.
• Achieve monthly mortgage disbursement targets.
• Assess client eligibility (salary, liabilities, credit profile).
• Consider fixed vs variable rates.
• Consider Islamic vs conventional finance.
• Determine LTV eligibility.
• Evaluate buy-out and refinancing options.
• Structure mortgage solutions based on client profile and bank appetite.
• Provide clear breakdown of rates, fees, and obligations.

• Salary certificates / Trade license
• Bank statements
• Property documents
• SPA & Title Deed
• Ensure compliance with UAE Central Bank regulations.
• Coordinate valuation, offer letters, and final disbursement with partner banks.
• Avoid mis-selling and maintain full transparency.
• Maintain long-term relationships with brokers and developers.
• Track mortgage pipeline and follow up proactively.
• Build repeat and referral business.

• Personal Loans
• Credit Cards
• Business Accounts
• Update CRM daily with lead and approval status.
• Monitor approval ratios and disbursement timelines.
• Participate in internal compliance and performance reviews.
• Attend product training sessions regularly.
• Product Scope
• Commercial Property Finance
• Off-Plan & Ready Property Financing
• Mortgage Buy-Out / Balance Transfer
• Equity Release

• 2–4 years UAE mortgage sales experience.
• Strong understanding of UAE property market.
• Knowledge of bank mortgage policies & LTV norms.
• Proven track record of monthly disbursements.

• Experience working with UAE banks or DSA firms.
• Knowledge of both Conventional & Islamic mortgage products.