Position Title: Credit Underwriter

• Position Title: Credit Underwriter

  Overview:
  Credit underwriting to assess each loan application individually against Lending Policy and criteria.

  Key Responsibilities and Accountabilities:

  • Reviewing and assessing different types of mortgage applications, including residential, commercial, land, construction and off plan
  • Responsible for analysing and performing credit-related checks (Salaried & Self Employed) for Mortgage loans in accordance with policy and process in a timely manner.
  • Assessing and validating documentation: KYC documents, Income documents, Audited Financial Statements, bank statements and property documents including valuation reports etc.
  • Submission of the application to Banks and following up with the cases until pre-approval.
  • Resolving bank queries related to client’s applications.
  • Assist Customer Success team in resolving client’s queries wherever required.
  • Assist Bank Operations team in resolving FOL (Final Offer Letter) queries.
  • Assist Account Managers in qualifying the client to Banks based on profile and eligibility whenever required.
  • Suggest process improvements and propose automation wherever feasible.
  • Handling AD HOC requests to support products and engineering teams.
  • Providing feedback to the Team Lead and Operations Manager in relation to lending policy, central bank circulars, processes, and procedures.

  Qualifications, Experience & Skills:

  • Strong decision maker and a team player
  • Organised and show ownership
  • Strong knowledge of the current real estate market and central bank regulations related to mortgage lending.
  • Knowledge on UAE banking lending policies, process, and practices.
  • Strong verbal and written communication skills
  • Customer obsessed mindset
  • Experience in relationship management with sales or related areas
  • Feel comfortable working with technology
  • Can work with MS Office package and/or GSuite

  Good to have:

  • Experience in startups or high pressure environment is a plus
  • CRM tool experience: Hubspot, Salesforce etc is a plus
  • Previous experience in ADIB, ADCB, DIB, ENBD, Mashreq is a plus
  • Arabic speaker is a plus