Mortgage Finance Specialist

5 days ago


Abu Dhabi, Abu Dhabi, United Arab Emirates Mortgage Pro. Full time
About the Role

At Mortgage Pro, we are seeking an experienced Mortgage Broker to join our team. As a key member of our sales and marketing team, you will play a critical role in helping individuals and businesses secure financing for property purchases or refinancing.

The successful candidate will have a strong understanding of mortgage products, financial regulations, and lending processes. They will also possess excellent communication skills, attention to detail, and negotiation expertise.

Key Responsibilities
  • Evaluate Financial Health: Review clients' financial circumstances, including income, credit score, savings, debts, and overall financial stability.
  • Determine Affordability: Help clients understand what they can afford based on their income, expenses, and credit score.
  • Explain Mortgage Products: Offer detailed explanations of various mortgage products (e.g., fixed-rate, variable-rate, interest-only mortgages, government-backed loans) and help clients choose the most suitable option for their needs.
  • Guide on Loan Terms and Conditions: Advise clients on key terms such as loan amounts, repayment schedules, interest rates, and down payment requirements.
  • Collect Necessary Documentation: Guide clients in gathering required documents (e.g., proof of income, tax returns, bank statements, identification) for the loan application.
  • Complete Loan Applications: Help clients fill out and submit mortgage application forms accurately.
  • Submit Applications to Lenders: Submit completed applications to a network of mortgage lenders or financial institutions for approval.
  • Address Underwriting Requirements: Ensure the client's financial documentation meets the lender's underwriting guidelines and resolve any issues that arise.
Qualifications
  • Financial Knowledge: A strong understanding of mortgage products, financial regulations, and lending processes.
  • Attention to Detail: Precision in reviewing clients' financial documentation and ensuring loan applications are complete and accurate.
  • Communication Skills: Ability to explain complex financial concepts in simple terms and maintain clear communication throughout the process.
  • Negotiation Skills: Expertise in negotiating favorable loan terms with lenders on behalf of clients.
  • Customer Service: Strong interpersonal skills to build relationships with clients and guide them through often stressful financial decisions.
  • Regulatory Knowledge: Familiarity with mortgage industry regulations, compliance requirements, and ethical lending practices.

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