Field Verification Specialist

The Retail Credit Services (RCS) – Mortgages team facilitates lending solutions for various real estate needs, including home or office purchases, self-construction, refinancing, and buyouts.

The Field Officer plays a crucial role in conducting site inspections and due diligence for customers availing mortgage finance. This includes verifying business operations for salaried and self-employed applicants, assessing creditworthiness, and preparing accurate and insightful reports.

Key Responsibilities

Field Inspections & Credit Evaluation

• Conduct physical inspections of businesses owned by mortgage applicants.
• Engage with company representatives to assess operational activities and gather relevant information.
• Take photographs and compile detailed reports based on site visits and observations.
• Prepare business verification reports and maintain MIS for all inspections conducted.
• Review and analyze financial documents and credit profiles of salaried and self-employed individuals.
• Ensure loan assessments comply with both Emirates NBD and UAE Central Bank policies.

Productivity & Operational Support

• Handle queries from Credit Analysts related to business verification.
• Understand and navigate various company structures and business registration authorities.
• Engage directly with customers via phone or in person as needed.
• Maintain accurate and updated tracking of all business visit reports.

Compliance

• Adhere to bank policies, regulatory requirements, and unit-specific guidelines.
• Ensure ethical use of information and materials during customer interactions.
• Maintain full compliance with Emirates NBD’s Code of Conduct.

Customer Service

• Deliver responsive and effective service to internal and external stakeholders.
• Meet agreed turnaround times (TATs) for all tasks and communications.
• Liaise with stakeholders such as developers, land departments, and internal teams to streamline processes.

Process Improvement

• Set up and optimize processes with developers and land authorities for mortgage-related registrations.
• Recommend and implement improvements to increase operational efficiency and enhance the bank’s value proposition.
• Stay aligned with changes to internal policies and systems.

Teamwork & Initiatives

• Take ownership of problem-solving and issue resolution.
• Collaborate with colleagues to contribute to team targets and efficiency.
• Propose suggestions to enhance productivity and service quality.

Professionalism & Development

• Maintain a high level of discipline and professionalism at all times, both in and out of the office.
• Proactively pursue personal development to improve performance.
• Participate in special projects or assignments to support departmental goals.

Qualifications & Experience

Education

• Graduate or Postgraduate degree in Finance or a related field.

Experience

• Prior experience in the UAE mortgage or real estate industry.
• Strong understanding of company financials and credit analysis.
• Familiarity with regulatory and compliance frameworks.

Skills Required

• Valid UAE driving license and access to a personal vehicle (mandatory).
• Proficient in English and Arabic (verbal & written).
• Strong negotiation and influencing skills.
• Relationship-building and conflict management capabilities.
• Excellent communication and time management skills.
• Ability to work under pressure and meet tight deadlines.

What We Offer

• Competitive compensation package.
• Comprehensive private healthcare coverage.
• Generous annual leave entitlement.
• Access to best-in-class learning and development programs.
• Preferential banking benefits for employees.
• A culture that supports work-life balance and employee wellbeing.