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.

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  Get Hired
• 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