Mortgage Specialist

The RCC Mortgages – Credit Analyst plays a critical role in evaluating and processing mortgage lending requests across various property types. The role ensures prudent underwriting by applying Emirates NBD’s credit policies and UAE Central Bank regulations. It covers customer assessments, document analysis, loan approvals, and coordination with internal stakeholders, contributing directly to the bank’s retail mortgage growth and risk management.

Key Responsibilities

• Review and analyze mortgage applications to assess customers’ repayment capabilities based on income and liabilities.
• Ensure compliance with ENBD’s internal policies and UAE Central Bank guidelines for both resident and non-resident customers (salaried and self-employed).
• Analyze customer-submitted documentation and conduct business site visits when needed.
• Assess company and individual creditworthiness through:
  • Audited financial statements (Balance Sheet, P&L, Cash Flow)
  • Financial ratios such as DSCR, Debt-to-Equity, Liquidity Ratios, etc.
• Prepare financial spreads and detailed credit reports for escalation to relevant credit committees (GRC/CBU/CLC/Compliance).
• Conduct fraud checks, compliance reviews, and due diligence across all loan documents.
• Collaborate with Sales and Business teams to clarify customer information and resolve queries.
• Maintain accurate and timely MIS including Deviation MIS, Scorecard MIS, and error tracking.
• Liaise with Audit and Compliance teams for internal/external assessments.
• Provide support and guidance to processing teams and act as a referral point for complex credit queries.
• Visit business premises for on-site verification, especially for self-employed applicants.
• Partner with team captains and colleagues to meet department KPIs and service-level targets.

What We’re Looking For

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 2–5 years of experience in UAE mortgage underwriting or credit analysis.
• Strong understanding of:
  • UAE mortgage regulations and documentation requirements.
  • Financial statement analysis and credit risk assessment.
  • Loan processing and property registration procedures.
• Bilingual proficiency: Fluency in English and Arabic (spoken and written).
• Excellent analytical skills, attention to detail, and decision-making capability.
• Strong communication, collaboration, and time management skills.
• Experience using banking systems and credit analysis tools.