Job Summary:
We are seeking an experienced, proactive, and results-driven Mortgage Consultant with a strong understanding of the UAE mortgage and home-finance market. The successful candidate will demonstrate excellent communication, negotiation, client relationship management, and business development skills, with the ability to independently generate business, manage a pipeline of prospective clients, and successfully convert opportunities into completed mortgage transactions.
Key Responsibilities:
- Generate new mortgage business through personal networking, referrals, strategic partnerships, and other business development activities.
- Manage, follow up on, and convert Company-generated leads into successful mortgage transactions.
- Build and maintain strong relationships with clients, banks, financial institutions, real estate brokers, developers, and other relevant business partners.
- Understand clients' financial requirements and provide suitable mortgage and home-finance solutions based on their eligibility and needs.
- Collect, review, verify, and process all required client documentation in accordance with lender requirements and Company procedures.
- Manage mortgage applications throughout the entire process, from initial consultation and pre-approval to final approval, offer issuance, documentation, and loan disbursement.
- Coordinate with banks, valuers, developers, trustees, brokers, and other stakeholders to ensure timely processing and completion of transactions.
- Maintain accurate and up-to-date client information, lead records, pipeline activities, and transaction details in the Company's CRM system.
- Achieve the minimum monthly Qualifying Loan Value target of AED 2,000,000 and comply with all sales, conversion, documentation, service-quality, and compliance KPIs established by the Company.
- Ensure compliance with applicable UAE laws and regulations, banking requirements, confidentiality obligations, and the Company's internal policies and procedures.
- Provide regular updates and reports to management regarding sales performance, pipeline status, client progress, and completed transactions.
- Perform any other reasonable duties related to the Employee's position as assigned by authorised Company management.
Requirements:
- Education: Bachelor's degree or diploma in Business Administration, Finance, Banking, Economics, or a related field is preferred.
- Industry Experience: Minimum 2–3 years of relevant experience in mortgage consultancy, home finance, banking, financial services, or real estate within the UAE market.
- UAE Mortgage Knowledge: Strong understanding of the UAE mortgage market, including residential mortgage products, lender requirements, eligibility criteria, loan-to-value ratios, debt burden ratios, and mortgage application procedures.
- Banking Relationships: Established professional relationships with UAE banks, financial institutions, mortgage departments, or relevant industry stakeholders will be an advantage.
- Sales and Business Development: Proven ability to generate leads independently, develop a client portfolio, manage a sales pipeline, negotiate effectively, and achieve monthly sales targets.
- Communication Skills: Excellent verbal and written communication, presentation, negotiation, and interpersonal skills.
- Client Management: Strong customer service and relationship-management skills, with the ability to understand client needs and provide appropriate solutions.
- Documentation Skills: Ability to review financial documents, assess application completeness, maintain accurate records, and manage multiple mortgage applications simultaneously.
- Technology Skills: Proficiency in Microsoft Office applications, CRM systems, email communication, and digital documentation platforms.
- Languages: Excellent English communication skills are essential. Arabic and other languages commonly spoken in the UAE are an advantage.
- Personal Attributes: Self-motivated, target-driven, organised, detail-oriented, professional, and capable of working independently as well as within a team.
- Regulatory Awareness: Understanding of applicable UAE banking, AML, KYC, data protection, and compliance requirements relevant to mortgage consultancy.
