Relationship Officer - Mortgage

About CreditMarket.ae

CreditMarket.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
• Off-Plan Mortgage Advisory
• SME & Corporate Lending
• 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.

Role Purpose

• 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.
• Key Responsibilities
• keycap: 1 Business Development & Lead Generation

• Source home finance and commercial mortgage clients.
• Develop referral networks with:
• Real estate brokers
• Property developers
• Real estate agencies
• Wealth managers
• Corporate clients
• Generate leads through networking, field visits, and digital channels.
• Achieve monthly mortgage disbursement targets.

keycap: 2 Client Advisory & Structuring

• Assess client eligibility (salary, liabilities, credit profile).
• Advise on:
• Fixed vs variable rates
• Islamic vs conventional finance
• LTV eligibility
• Buy-out and refinancing options
• Structure mortgage solutions based on client profile and bank appetite.
• Provide clear breakdown of rates, fees, and obligations.

keycap: 3 Documentation & Compliance

Collect and verify:

• 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.

keycap: 4 Relationship Management

• Maintain long-term relationships with brokers and developers.
• Track mortgage pipeline and follow up proactively.
• Build repeat and referral business.

Cross-sell related products:

• Personal Loans
• Credit Cards
• Business Accounts
• SME Lending

keycap: 5 Reporting & Governance

• 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
• Residential Mortgages (Salaried & Self-Employed)
• Commercial Property Finance
• Off-Plan & Ready Property Financing
• Mortgage Buy-Out / Balance Transfer
• Equity Release

Eligibility Criteria Mandatory:

• 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.
• Strong broker/developer network preferred.

Preferred:

• Experience working with UAE banks or DSA firms.
• Knowledge of both Conventional & Islamic mortgage products.
• Strong financial assessment capability.
• Key Performance Indicators (KPIs)
• Monthly mortgage disbursement value
• Revenue generated
• Approval ratio
• Cross-sell conversion rate
• Turnaround time
• Portfolio quality