Senior Mortgage Documentation Specialist

Job Title:

Senior Mortgage Documentation Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

We are seeking an experienced Senior Mortgage Documentation Specialist to oversee the preparation, review, validation, and management of mortgage-related documentation throughout the lending lifecycle. The role focuses on documentation accuracy, completeness, regulatory compliance, collateral records, loan conditions, and coordination between borrowers, lenders, legal teams, valuation providers, and internal mortgage operations. Working remotely, the specialist will help maintain reliable documentation workflows, identify discrepancies, and support timely mortgage processing while ensuring that all formal approvals and regulated activities remain with appropriately authorized personnel.

• Review mortgage applications and supporting documents for completeness, consistency, accuracy, and compliance with established lending requirements.
• Examine borrower identification, income evidence, bank statements, employment records, financial disclosures, and other supporting documentation.
• Validate property ownership records, title documents, valuation reports, insurance evidence, and collateral‑related information.
• Check mortgage offers, facility letters, repayment schedules, loan agreements, and related contractual documentation for consistency.
• Verify that required conditions precedent and post‑disbursement documentation are recorded and appropriately tracked.
• Identify missing documents, inconsistencies, expired records, and discrepancies requiring clarification or correction.
• Coordinate documentation requests and follow‑ups with borrowers, relationship managers, mortgage advisors, legal teams, and external service providers.
• Maintain accurate electronic mortgage files and ensure documents are properly indexed, classified, and retained.
• Monitor documentation milestones and outstanding requirements throughout application, approval, completion, and servicing stages.
• Support the preparation and quality review of mortgage documentation packs before submission to authorized approval or execution teams.
• Review amendments, refinancing documents, repayment changes, and other mortgage servicing documentation.
• Maintain document checklists, standard templates, workflow trackers, and quality‑control procedures.
• Apply document verification and fraud‑awareness procedures, escalating suspicious, altered, or potentially misleading records.
• Support internal audits, compliance reviews, and regulatory examinations by retrieving relevant documentation and maintaining clear audit trails.
• Monitor documentation exceptions and recommend improvements to reduce processing delays and recurring errors.
• Coordinate with legal and compliance teams on document wording, execution requirements, and jurisdiction‑specific documentation standards.
• Protect confidential borrower and property information in accordance with data protection and information security policies.
• Prepare periodic reports on documentation quality, turnaround times, outstanding conditions, and exception trends.

• Bachelor's degree in Banking, Finance, Business Administration, Accounting, Law, or a related discipline.
• Substantial experience in mortgage operations, loan documentation, retail lending, or banking documentation control.
• Strong understanding of mortgage application workflows, secured lending, collateral documentation, and loan servicing processes.
• Experience reviewing mortgage agreements, facility letters, title records, valuation reports, income evidence, and borrower documentation.
• Familiarity with UAE banking practices and mortgage…