Job description

The Mortgage Specialist at Emirates NBD is responsible for facilitating retail lending related to the purchase of homes, offices, and self-construction on existing plots, including registration and mortgage creation with developers and government authorities. The role encompasses reviewing customer applications for loan eligibility based on income and liabilities, adhering to Emirates NBD policies and UAE Central Bank guidelines. The position requires detailed analysis and underwriting of loans for self-employed, company, and salaried individuals. It involves evaluating audited financial statements—balance sheet, profit and loss, and cash flow—and preparing financial spreads and ratios including DSCR, debt to equity, current ratio, and others. The specialist ensures document accuracy, conducts compliance reviews, implements fraud detection techniques, prepares escalation reports for GRC/CBU/CLC/Compliance, and liaises with Sales for clarification. Maintaining various MIS reports and supporting audit and compliance requirements are also integral. The role includes on-site business verification visits and serving as an escalation and referral point for credit reviews and inputs to business teams, supporting team goals collaboratively with leadership. Fluency in both English and Arabic is required for success in this role.