Credit Analyst -Mortgage Operations

Credit Analyst – Mortgage Team

Department: Mortgage Advisory / Finance

Location: Dubai, Business Bay

Company: Xoto Proptech Real Estate LLC.

About Xoto:

Xoto Proptech Real Estate LLC is a modern, technology-driven real estate advisory firm based in Dubai that focuses on helping clients make smarter property investment decisions. The company offers end-to-end real estate solutions including property buying, selling, leasing, and mortgage advisory, ensuring a seamless experience for investors, homeowners, and businesses.

Job Overview

We are seeking a detail-oriented Credit Analyst to join our Mortgage Team. The candidate will be responsible for evaluating clients’ financial profiles, assessing creditworthiness, and supporting mortgage application processes with banks and financial institutions. The role requires strong analytical skills, knowledge of mortgage lending criteria, and the ability to work closely with clients, banks, and internal teams to ensure smooth loan approvals.

Key Responsibilities

• Review and analyze clients’ financial documents including salary certificates, bank statements, credit reports, and liabilities.
• Assess the creditworthiness and repayment capacity of mortgage applicants.
• Prepare and submit mortgage applications to partner banks and financial institutions.
• Ensure all documentation complies with bank policies and regulatory requirements.
• Coordinate with banks, relationship managers, and clients throughout the mortgage approval process.
• Provide recommendations on suitable mortgage products based on the client’s financial profile.
• Track mortgage applications and follow up with banks for approvals and updates.
• Maintain accurate records of all applications and client financial data.
• Assist the sales team by providing financial feasibility assessments for potential buyers.
• Stay updated with mortgage regulations, bank policies, interest rates, and lending criteria.

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 2–4 years of experience in mortgage processing, credit analysis, or banking.
• Knowledge of UAE mortgage regulations and bank lending policies is preferred.
• Strong understanding of financial statements and credit risk assessment.
• Proficiency in Microsoft Excel and financial analysis tools.

Key Skills

• Credit risk analysis
• Mortgage processing
• Financial assessment
• Attention to detail
• Strong communication and coordination skills
• Problem-solving and analytical thinking

Preferred Experience

• Experience working with UAE banks or mortgage advisory firms.
• Familiarity with UAE Central Bank mortgage regulations.
• Experience coordinating mortgage approvals for real estate transactions.

pls send resume to biz@xoto.ae with subject as Credit Analyst

Job Type: Full-time

Pay: AED3,000.00 - AED4,000.00 per month

Job Types: Full-time, Permanent

Work Location: In person

Why Join XOTO

• Be part of a category-defining PropTech platform
• Opportunity to build and scale mortgage operations from the ground up
• High ownership role with direct impact on business growth
• Work at the intersection of real estate, finance, and technology

Job Types: Full-time, Permanent

Pay: AED2,500.00 - AED4,000.00 per month

Work Location: In person