Manu Mathew
Business Development Officer - Mortgages
Dubai
Summary
Results-oriented banking professional with over 10 years of progressive experience in the UAE's retail, mortgage, and personal banking sectors. Expertise in credit risk assessment, loan underwriting, customer onboarding, and regulatory compliance, including KYC and AECB standards. Proven ability to manage complete loan lifecycle operations, coordinate with cross-functional teams, and ensure strict adherence to central bank guidelines. Recognized for maintaining robust document controls, resolving discrepancies efficiently, and delivering accurate MIS reporting to enable sound decisions.
Overview
15
15
years of professional experience
7
7
years of post-secondary education
1
1
Certification
Work History
Mortgage Business Development Officer
RAK Bank
09.2023 - Current
- Submit mortgage applications (salaried, self-employed, low-doc, resident/non-resident) for in-principle approval (IPA), ensuring alignment with internal policies and UAE Central Bank regulations.
- Prepare business review and site visit reports for self-employed applicants with loan amounts exceeding AED 5M, and submit recommendations to the credit department.
- Coordinate with mortgage brokers and customers to initiate property valuations, including listings for new projects not yet included in the Bank’s LTV matrix.
- Manage document collection for final approval (FOL) and liaise with internal units including credit, compliance, legal, and operations for timely processing.
- Conduct final offer letter (FOL) signings, explain terms and conditions to clients, and collect disbursal documents.
- Track disbursal status, resolve operational queries, and coordinate title deed registration with Dubai Land Department.
- Maintain and strengthen relationships with mortgage brokers and customers to maximize lead generation and conversion.
- Keep brokers informed about policy changes, campaigns, and promotions to enhance business contribution.
Credit Analyst – Personal Banking Credit Unit
RAK Bank
Dubai
09.2022 - 12.2022
- Analyzed credit applications for personal loans and credit cards using AECB data, income verification, and internal risk models.
- Recommended credit decisions with detailed justifications to credit approvers.
- Liaised with internal departments to resolve documentation gaps and expedite processing.
- Stayed updated on credit policy amendments and ensured ongoing regulatory compliance.
- Generated MIS reports and flagged fraud risk indicators to senior credit management.
- Processed up to 20 credit card applications per day.
Customer Onboarding Officer – Operations Unit
YAP Digital Banking
Dubai
06.2022 - 08.2022
- Reviewed and validated customer KYC documentation as per Central Bank onboarding standards.
- Rejected non-compliant applications and communicated necessary corrections to applicants.
- Investigated root causes of onboarding failures and resolved escalations within defined SLAs.
- Monitored card generation and managed onboarding-related inventory controls.
- Managed up to 400 onboarding per day.
Document Specialist – Cash Management Unit
Mashreq Bank
Dubai
10.2021 - 12.2021
- Audited and corrected financial documentation for completeness and accuracy.
- Maintained document traceability through standardized indexing and digital archiving.
- Facilitated document flow between internal departments to support transaction processing.
Operations Officer – Asset Operations Unit
Commercial Bank International
08.2016 - 02.2020
- Executed facility booking (term loans, overdrafts, lines of credit) in the core banking system.
- Processed disbursals, interest reversals, settlements, and currency transactions.
- Liaised with CAD, credit, and syndication teams to ensure proper execution of transactions.
- Generated discrepancy and performance reports for operational risk and volume management.
Documentation Officer – Retail Loans Processing
Commercial Bank International
09.2014 - 07.2016
- Processed and validated documentation for home loans, auto loans, credit cards, and overdrafts.
- Verified collateral security, CPV, and bureau checks to align with credit approvals.
- Initiated legal security creation and maintained custody of physical documentation.
Credit Officer – Loans Department
Bank of Baroda
11.2010 - 04.2013
- Conducted credit analysis for SME and retail loan proposals, including financial and industry risk assessments.
- Drafted credit memos with pricing, risk grades, and approval recommendations.
- Coordinated with legal and property valuation teams for security verification.
- Monitored borrower performance, tracked credit exposure, and prepared delinquency reports.
Education
MBA - Finance
Kerala University
06.2007 - 06.2009
Bachelor of Law - Banking Law
Cochin University
06.2003 - 04.2006
BSc - Mathematics
MG University
06.2000 - 01.2003
Skills
Mortgage Loan Processing
Credit Risk Assessment
Underwriting
AECB Analysis
KYC Analysis
Financial Analysis
Ratio Analysis
Regulatory Compliance
Document Verification
Control
Customer Onboarding
Customer Relationship Management
Broker Relationship Management
Performance target management
Certification
Certified Commercial Banking Credit Analyst, CFI, 2023
Accomplishment
Led User Acceptance Testing for Robotic Process Automation (RPA) at Commercial Bank International, enhancing operational efficiency in loan processing.
Personal Information
- Nationality: Indian
- Driving License: UAE Driving License, Valid
- Visa Status: Sponsorship
Visa Status
Sponsorship
Timeline
Mortgage Business Development Officer
RAK Bank
09.2023 - Current
Credit Analyst – Personal Banking Credit Unit
RAK Bank
09.2022 - 12.2022
Customer Onboarding Officer – Operations Unit
YAP Digital Banking
06.2022 - 08.2022
Document Specialist – Cash Management Unit
Mashreq Bank
10.2021 - 12.2021
Operations Officer – Asset Operations Unit
Commercial Bank International
08.2016 - 02.2020
Documentation Officer – Retail Loans Processing
Commercial Bank International
09.2014 - 07.2016
Credit Officer – Loans Department
Bank of Baroda
11.2010 - 04.2013
MBA - Finance
Kerala University
06.2007 - 06.2009
Bachelor of Law - Banking Law
Cochin University
06.2003 - 04.2006
BSc - Mathematics
MG University
06.2000 - 01.2003