Senior Mortgage Advisor

Extensive knowledge in the below fields is :

• Central Bank regulations on Mortgage Provision in UAE – Residents/Non Residents
• Off Plan/Completed properties.

Banks documentation to assess customer profile

• Various Banks in UAE – Conventional/Islamic and their policies and procedures with detailed Documentation requirement to
• Apply for a mortgage
• Calculation of DBR – Debt Burden Ration that determines how much a customer can get a mortgage
• Understanding of customers Credit Report – scoring and how to improve if there is any issues like over exposed credit cards /personal loan etc.
• Credit norms of banks – Property Details/status of completion

Understanding of Damac Projects –

• Location
• Status of completion
• Handover status
• Current banks valuation for such properties.

Training on Sales force –

• To Register and raise a R for a customer
• Follow up and track banks requirements
• Upload and close file to other departments upon approval
• Track status of DSR – Developer Self Registration – to close bank approval and collect our payment

Competencies:

• Audit, Financial Skills
• Financial Software,
• Customer Service
• Confidentiality
• Analyzing Information
• Precision and reliability; ability to work autonomously
• Good communication skills

Education & Experience:

• Any Graduation degree
• Experience in Banks mortgage department / Real Estate.
• Experience in Banks Broker Channel is a Must.
• 5-10 years of progressively responsible professional experience in Mortgage.