Senior Mortgage Lead - PropTech
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Key skills for this role
About the Role
SmartChoice International GCC is seeking an experienced Senior Mortgage Advisor / Mortgage Operations Lead to build and optimize a mortgage advisory and fulfillment function within a PropTech business.
Key Skills for This Role
Responsibilities
- Build and maintain strong relationships with banks, mortgage relationship managers, and lending teams across the UAE.
- Own the mortgage submission process, ensuring all applications are accurate, complete, and submission ready.
- Establish and manage service level agreements (SLAs), escalation processes, and communication channels with banking partners.
- Lead and support the mortgage processing and fulfillment team to ensure efficient progression of applications through the pipeline.
- Review client profiles and recommend suitable mortgage solutions based on eligibility, affordability, income, nationality, employment type, loan to value (LTV), debt burden ratio (DBR), and property profile.
- Maintain in depth knowledge of mortgage products, pricing structures, lending policies, approval criteria, and documentation requirements across multiple banks.
- Support mortgage calculations, affordability assessments, lender comparisons, and client recommendations.
- Monitor application progress, approvals, declines, turnaround times, and bank feedback to improve conversion rates and operational efficiency.
- Develop and implement internal processes, quality controls, submission standards, and operational best practices.
- Train and mentor team members on mortgage policies, documentation requirements, and market developments.
- Act as the key liaison between advisors, processing teams, banking partners, and clients where required.
Requirements
- Proven experience within the UAE mortgage market, either with a bank, mortgage brokerage, or property finance provider.
- Strong existing relationships with UAE banks and mortgage relationship managers.
- Comprehensive knowledge of UAE mortgage products and lending policies.
- Experience handling purchase, refinance, buyout, off plan, handover, and ready property mortgage transactions.
- Strong understanding of LTV, DBR, affordability calculations, eligibility criteria, and credit assessment processes.
- Highly detail oriented with the ability to review and quality check applications prior to submission.
- Experience managing mortgage operations, processing teams, or fulfillment functions.
- Strong stakeholder management and communication skills.
- Commercial mindset with a focus on client experience, conversion rates, and operational performance.
- Hands on approach with the ability to build and improve processes within a fast paced environment.
Full Job Posting
Role Overview
- We are seeking an experienced Senior Mortgage Advisor / Mortgage Operations Lead to play a key role in building, managing, and optimizing a high performing mortgage advisory and fulfillment function within a leading PropTech business.
- This is a leadership position that combines mortgage advisory expertise with operational excellence.
Key Responsibilities
- Build and maintain strong relationships with banks, mortgage relationship managers, and lending teams across the UAE.
- Own the mortgage submission process, ensuring all applications are accurate, complete, and submission ready.
- Establish and manage service level agreements (SLAs), escalation processes, and communication channels with banking partners.
- Lead and support the mortgage processing and fulfillment team to ensure efficient progression of applications through the pipeline.
- Review client profiles and recommend suitable mortgage solutions based on eligibility, affordability, income, nationality, employment type, loan to value (LTV), debt burden ratio (DBR), and property profile.
- Maintain in depth knowledge of mortgage products, pricing structures, lending policies, approval criteria, and documentation requirements across multiple banks.
- Support mortgage calculations, affordability assessments, lender comparisons, and client recommendations.
- Monitor application progress, approvals, declines, turnaround times, and bank feedback to improve conversion rates and operational efficiency.
- Develop and implement internal processes, quality controls, submission standards, and operational best practices.
- Train and mentor team members on mortgage policies, documentation requirements, and market developments.
- Act as the key liaison between advisors, processing teams, banking partners, and clients where required.
Requirements
- Proven experience within the UAE mortgage market, either with a bank, mortgage brokerage, or property finance provider.
- Strong existing relationships with UAE banks and mortgage relationship managers.
- Comprehensive knowledge of UAE mortgage products and lending policies.
- Experience handling purchase, refinance, buyout, off plan, handover, and ready property mortgage transactions.
- Strong understanding of LTV, DBR, affordability calculations, eligibility criteria, and credit assessment processes.
- Highly detail oriented with the ability to review and quality check applications prior to submission.
- Experience managing mortgage operations, processing teams, or fulfillment functions.
- Strong stakeholder management and communication skills.
- Commercial mindset with a focus on client experience, conversion rates, and operational performance.
- Hands on approach with the ability to build and improve processes within a fast paced environment.
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