Senior Banking Specialist

• Manage the complete personal loan lifecycle, from customer assessment to final loan disbursement. • Analyze loan applications and evaluate customers' financial profiles, repayment capacity, and eligibility in accordance with bank credit policies. • Calculate Debt Burden Ratio (DBR) and assess affordability and credit risk. • Review, verify, and validate all customer documentation to ensure accuracy, completeness, and compliance with banking requirements. • Identify missing documents, discrepancies, or potential risks before submission. • Prepare and submit financing applications while maintaining high approval quality and minimizing rejections. • Coordinate with credit, operations, underwriting, compliance, and approval departments to ensure efficient case progression. • Monitor loan applications through every stage and proactively follow up until final approval and disbursement. • Escalate delayed or exceptional cases through the appropriate banking channels to ensure timely resolution. • Maintain strong professional relationships with banks, branch managers, relationship managers, credit analysts, operations teams, and key decision-makers across multiple UAE banks. • Provide clients with professional guidance on personal loan products, eligibility criteria, documentation requirements, and financing solutions. • Ensure full compliance with UAE banking regulations, internal bank policies, and company procedures. • Maintain accurate records of customer files, communications, approvals, and supporting documentation. • Identify operational improvements to enhance efficiency, reduce processing time, and improve approval rates. • Work closely with the sales team to structure cases for maximum approval potential. • Resolve customer inquiries and provide regular updates throughout the financing process. • Maintain confidentiality of customer information and banking data at all times. • Meet individual and company performance targets, including case completion, turnaround time, approval ratio, and customer satisfaction. • Continuously stay updated on changes in UAE banking policies, lending criteria, and personal loan products across major banks. • Support the development and strengthening of strategic banking partnerships to improve service quality and processing efficiency. • Deliver exceptional customer service while maintaining professionalism, accuracy, and attention to detail throughout every stage of the financing process. We are looking for a highly experienced and performance-driven Senior Banking Specialist with strong expertise in personal loans within the UAE banking sector . The ideal candidate should be capable of managing the full financing cycle, from credit assessment to final disbursement, while maintaining strong relationships with banks and delivering high-quality, compliant case submissions. Experience Requirements • Minimum 5 years of banking experience in the UAE . • Prior experience with leading UAE banks is mandatory. • Strong specialization in personal loans / consumer lending . • Proven track record in one or more of the following roles: • Credit Analyst • Loan Processing Specialist • Banking Operations Officer • Relationship Manager (Personal Lending) • Business Development / Banking Partnerships Technical Expertise • Strong understanding of personal loan underwriting processes . • In-depth knowledge of credit assessment, DBR calculation, and risk evaluation . • Familiarity with UAE Central Bank regulations and lending guidelines . • Ability to review and structure loan applications to maximize approval rates. • Strong understanding of bank documentation requirements and compliance standards . • Experience working with multiple UAE banks and their internal systems. Skills & Competencies • Strong analytical and financial assessment skills. • Excellent communication and negotiation abilities. • High attention to detail and accuracy in documentation. • Ability to manage multiple cases under tight deadlines. • Strong follow-up and case management skills. • Professional relationship-building with banking stakeholders. • Ability to work under pressure and achieve performance targets. • Strong problem-solving and decision-making abilities. Professional Traits • Highly disciplined, proactive, and results-oriented. • Strong sense of ownership and accountability. • Able to maintain confidentiality and handle sensitive financial data. • Customer-focused with a professional and advisory approach. • Strong network within UAE banking institutions is a strong advantage. Preferred Attributes • Existing relationships with UAE bank credit or operations teams. • Experience handling high-volume personal loan portfolios. • Exposure to multiple banks and varied credit policies. • Ability to escalate and resolve complex banking cases efficiently. • Demonstrated success in improving approval rates and turnaround times. Ideal Mindset The ideal candidate is not just an employee, but a banking specialist who understands the full lending ecosystem , builds strong institutional relationships, and consistently delivers high-quality, compliant, and approved financing solutions.