Central Bank regulations on Mortgage Provision in UAE \xe2\x80\x93 Residents/Non Residents
Off Plan/Completed properties.
Banks documentation to assess customer profile
Various Banks in UAE \xe2\x80\x93 Conventional/Islamic and their policies and procedures with detailed Documentation requirement to
Apply for a mortgage
Calculation of DBR \xe2\x80\x93 Debt Burden Ration that determines how much a customer can get a mortgage
Understanding of customers Credit Report \xe2\x80\x93 scoring and how to improve if there is any issues like over exposed credit cards /personal loan etc.
Credit norms of banks \xe2\x80\x93 Property Details/status of completion
Understanding of Damac Projects \xe2\x80\x93
Location
Status of completion
Handover status
Current banks valuation for such properties.
Training on Sales force \xe2\x80\x93
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 \xe2\x80\x93 Developer Self Registration \xe2\x80\x93 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.
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