Sooner Underwriting

EMPLOYER MANAGEMENT

Structured Employer Workbench

Persisted to Supabase, validates via the config schema, re-runs the 30 seed profiles.

AXIS 1c

Loading persisted named employer overrides.

Persisted to Supabase. Edits durable across reloads.

New entries use a NOT-founder-ratified placeholder source until founder ratification is ready.

Named employers

119 persisted rows. Edits validate against the full config schema before scoring changes.

EmployerTierIndustryTaxonomySourceRemove
Federal Ministry of FinanceMinistry of Finance, MoF, Federal MoF, UAE Ministry of Finance

flat T1

Document 1.5 / Section E Rule 1
ADNOCADNOC, Abu Dhabi National Oil Company

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 - Per-employer depth (A1 ratified 2026-06-15)UAE sovereign state energy to T1. ADNOC is wholly Abu-Dhabi-government-owned; sovereign oil revenue backs payroll continuity through downturns (it kept hiring through the 2015-20 oil crash that cut commercial oil/gas and banking). IOCs (Shell/BP/Exxon/Total/Chevron) stay T2. Energy holds under crisis-iran. Supersedes the prior Document 3 conservative T2 hold.
SEHASEHA, Abu Dhabi Health Services, SEHA Hospital

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 QC sovereign public-health (ratified 2026-06-15); SEHA T2->T1
KPMGKPMG, KPMG Lower Gulf

flat T3

Document 1.5 / Section E Rule 4
Majid Al Futtaim GroupMAF Group, Majid Al Futtaim, MAF Holding

flat T2

Document 1.5 / Section D.11
PfizerPfizer, Pfizer Gulf, Pfizer UAE

flat T3

Document 1.5 / Section E Rule 4
Emirates NBDENBD, Emirates NBD, Emirates NBD Bank

flat T2

Document 1.5 / Section E Rule 3
HSBCHSBC, HSBC UAE, HSBC Bank Middle East

flat T3

Document 1.5 / Section E Rule 4
MicrosoftMicrosoft, Microsoft UAE, Microsoft Gulf

flat T3

Document 1.5 / Section E Rule 4
ADIAAbu Dhabi Investment Authority

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
DP WorldDP World, Dubai Ports World

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
DEWADubai Electricity, DEWA, Dubai Water Authority

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
Etisalat / e&Etisalat, e and, Emirates Telecommunications

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
EDGEEDGE Group, EDGE Holding

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
ADQADQ Holding, Abu Dhabi Developmental Holding

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
FABFirst Abu Dhabi Bank, FAB

peace T1, recession T1, crisis-iran T1

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
DIBDubai Islamic Bank, DIB

peace T1, recession T2, crisis-iran T2

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
EtihadEtihad Airways, Etihad

peace T2, recession T3, crisis-iran T3

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
flydubaiflydubai

peace T3, recession T4, crisis-iran T4

APP-1849 / PR A state-backed named employersPLACEHOLDER - conservative seed, NOT founder-ratified; ratify via the config editor.
Emirates AirlineEmirates, Emirates Airline, EK

flat T2

Document 1.5 / Sections D.9 and F.9
Better HomesBetter Homes, Betterhomes

flat T5

Document 1.5 / Section E Rule 3 real estate brokerage
MubadalaMubadala, Mubadala Investment Company

flat T1

Document 1.5 / Section E Rule 2
Al Habtoor GroupAl Habtoor, Al Habtoor Group

flat T2

Document 1.5 / Section D.11 and F.5
International Law FirmMagic Circle Law, White Shoe Law, International Law Firm

flat T3

Document 1.5 / Section E Rule 4
FAANG RemoteFAANG Remote, Remote FAANG, Meta, Google, Amazon, Apple

flat T3

Document 1.5 / Section F.3
VisaVisa Middle East FZ-LLC, Visa Inc

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
MastercardMastercard MEA, Mastercard Inc

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
American ExpressAmex, AETB

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
McKinsey & CompanyMcKinsey, McKinsey & Co

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Boston Consulting GroupBCG

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Bain & CompanyBain

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
KearneyA.T. Kearney

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Oliver WymanNo aliases

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
AccentureAccenture MENA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
DeloitteDeloitte & Touche ME

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
PwCPricewaterhouseCoopers

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
EYErnst & Young

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
NestléNestlé Middle East

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Procter & GambleP&G, Procter and Gamble

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
UnileverUnilever Gulf

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
PepsiCoPepsiCo MEA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
The Coca-Cola CompanyCoca-Cola

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
MarsMars Inc

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
MondelezMondelez International

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
L'OréalL'Oreal Middle East

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
GoogleAlphabet, Google MENA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
AmazonAWS

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
AppleApple Inc

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
MetaFacebook, Meta Platforms

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
IBMIBM MEA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
OracleOracle Systems

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
SAPSAP MENA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
CiscoCisco Systems

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
SamsungSamsung Gulf Electronics

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
LGLG Electronics

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
SonySony MEA

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
SiemensSiemens LLC

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Schneider ElectricSchneider

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
HoneywellHoneywell ME

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
General ElectricGE

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
GSKGlaxoSmithKline

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
NovartisNovartis Gulf

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
RocheNo aliases

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
AstraZenecaAstraZeneca Gulf

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Johnson & JohnsonJ&J, Janssen

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
SanofiSanofi Gulf

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
ShellRoyal Dutch Shell

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
BPBritish Petroleum

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
ExxonMobilExxon, Esso

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
TotalEnergiesTotal

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
ChevronCaltex

flat T2

Document 1.5 / Section E Rule 4 - Batch 1 expansion
CitiCitibank, Citigroup

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
JPMorganJP Morgan, JPMorgan Chase

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Standard CharteredStanChart, SCB

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Goldman SachsGoldman

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
Deutsche BankDeutsche

flat T3

Document 1.5 / Section E Rule 4 - Batch 1 expansion
dudu, EITC, Emirates Integrated Telecommunications

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
ICDICD, Investment Corporation of Dubai

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
Dubai HoldingDubai Holding

peace T1, recession T2, crisis-iran T2

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
ADIBADIB, Abu Dhabi Islamic Bank

peace T1, recession T2, crisis-iran T2

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
MashreqMashreq, Mashreq Bank, Mashreqbank

peace T2, recession T3, crisis-iran T3

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
ADCBADCB, Abu Dhabi Commercial Bank

peace T2, recession T3, crisis-iran T3

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
DHADHA, Dubai Health Authority

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
DOH Abu DhabiDOH, Department of Health Abu Dhabi, DOH Abu Dhabi

peace T1, recession T1, crisis-iran T1

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
AD PortsAD Ports, Abu Dhabi Ports, AD Ports Group

peace T1, recession T1, crisis-iran T2

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
dnatadnata, Dnata

peace T2, recession T3, crisis-iran T3

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
Air ArabiaAir Arabia

peace T3, recession T4, crisis-iran T4

underwriting-resolution-contract / Item 5 - A4 named-employer additions (ratified 2026-06-15)
Roads & Transport AuthorityRTA, Roads and Transport Authority, Roads & Transport Authority

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai government transport authority; public payroll and fee-backed operations. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Dubai MunicipalityDubai Municipality, DM Municipality, Municipality of Dubai

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai municipal authority; payroll modelled on emirate public-sector continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Dubai PoliceDubai Police, Dubai Police HQ, Dubai Police Force

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai emirate public security employer; payroll modelled on sovereign public-sector continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
General Directorate of Residency & Foreigners AffairsGDRFA, GDRFA Dubai, General Directorate of Residency and Foreigners Affairs

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai government residency and foreigners-affairs authority; payroll modelled on emirate public-sector continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Dubai CustomsDubai Customs, Dubai Customs Department, DXB Customs

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai customs authority; payroll modelled on emirate public-sector continuity and trade administration revenue. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Dubai CourtsDubai Courts, Dubai Courts Department, Dubai Court

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai judicial authority; payroll modelled on emirate public-sector continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Federal Tax AuthorityFederal Tax Authority, FTA, UAE FTA

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationFederal UAE tax authority; payroll modelled on federal-government continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Abu Dhabi PoliceAbu Dhabi Police, AD Police, Abu Dhabi Police GHQ

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationAbu Dhabi emirate public security employer; payroll modelled on sovereign public-sector continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Commercial Bank of DubaiCommercial Bank of Dubai, CBD, CBD Bank

peace T2, recession T3, crisis-iran T3

Sooner roster expansion / 1a named-employer populationDubai listed commercial bank; modelled from local listed-bank peer matrix. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
RAKBANKRAKBANK, RAK Bank, National Bank of Ras Al Khaimah

peace T2, recession T3, crisis-iran T3

Sooner roster expansion / 1a named-employer populationUAE listed commercial bank; modelled from local listed-bank peer matrix. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
National Bank of FujairahNational Bank of Fujairah, NBF, NBF Bank

peace T2, recession T3, crisis-iran T3

Sooner roster expansion / 1a named-employer populationUAE listed commercial bank; modelled from local listed-bank peer matrix. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Emirates IslamicEmirates Islamic, Emirates Islamic Bank, EIB

peace T2, recession T3, crisis-iran T3

Sooner roster expansion / 1a named-employer populationDubai Islamic banking employer; modelled from local listed-bank peer matrix. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Wio BankWio Bank, Wio, Wio Bank PJSC

flat T3

Sooner roster expansion / 1a named-employer populationNewer UAE digital banking employer; modelled conservatively at T3. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
ENOCENOC, ENOC Group, Emirates National Oil Company

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationDubai government-owned energy group; payroll modelled on sovereign state-energy continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
TAQATAQA, TAQA Group, Abu Dhabi National Energy Company

peace T1, recession T1, crisis-iran T1

Sooner roster expansion / 1a named-employer populationAbu Dhabi state energy and utilities group; payroll modelled on sovereign state-energy continuity. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
BorougeBorouge, Borouge PLC, Abu Dhabi Polymers Company

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationListed Abu Dhabi petrochemical employer with ADNOC-linked operating base; modelled at T2. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
FertiglobeFertiglobe, Fertiglobe PLC, Fertiglobe Holding

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationListed Abu Dhabi fertilizers and chemicals employer; modelled at T2 from listed energy peer group. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Emaar PropertiesEmaar, Emaar Properties, Emaar Properties PJSC

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationListed Dubai developer; payroll backed by scaled development, handover, and community operations. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
DAMAC PropertiesDAMAC, DAMAC Properties, DAMAC Properties Dubai

flat T3

Sooner roster expansion / 1a named-employer populationDubai developer with more cyclical development-sales exposure; modelled conservatively at T3. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
NakheelNakheel, Nakheel Properties, Nakheel PJSC

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationDubai government-backed developer via Dubai Holding; payroll modelled on state-backed developer scale. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Aldar PropertiesAldar, Aldar Properties, Aldar Properties PJSC

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationListed Abu Dhabi developer; payroll backed by scaled development and asset-management operations. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
MeraasMeraas, Meraas Holding, Meraas Dubai

peace T2, recession T2, crisis-iran T2

Sooner roster expansion / 1a named-employer populationDubai Holding developer subsidiary; payroll modelled on state-backed developer scale and recurring destination operations. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Sobha RealtySobha Realty, Sobha, Sobha Group

flat T3

Sooner roster expansion / 1a named-employer populationFounder-owned UAE developer; payroll modelled conservatively at T3 from private developer scale. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Mediclinic Middle EastMediclinic, Mediclinic Middle East, Mediclinic UAE

flat T3

Sooner roster expansion / 1a named-employer populationPrivate hospital operator; clinical payroll modelled from large regulated healthcare peers. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Aster DM HealthcareAster DM Healthcare, Aster, Aster Hospitals

flat T3

Sooner roster expansion / 1a named-employer populationListed healthcare operator; clinical payroll modelled from regulated healthcare peers. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Burjeel HoldingsBurjeel Holdings, Burjeel, Burjeel Medical City

flat T3

Sooner roster expansion / 1a named-employer populationListed Abu Dhabi healthcare operator; clinical payroll modelled from regulated healthcare peers. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
AramexAramex, Aramex PJSC, Aramex UAE

flat T3

Sooner roster expansion / 1a named-employer populationListed commercial logistics employer; modelled conservatively at T3 for operating cyclicality. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
GulftainerGulftainer, Gulftainer Company, Gulftainer UAE

flat T3

Sooner roster expansion / 1a named-employer populationPrivate port and logistics operator; modelled conservatively at T3 from commercial logistics peer group. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
International Holding CompanyInternational Holding Company, IHC, IHC Abu Dhabi

peace T2, recession T2, crisis-iran T3

Sooner roster expansion / 1a named-employer populationLarge ADX-listed holding company; modelled from enterprise conglomerate payroll stability; regime-sensitive (softens one tier under acute crisis). Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Al-Futtaim GroupAl-Futtaim Group, Al Futtaim, Al-Futtaim

peace T2, recession T3, crisis-iran T3

Sooner roster expansion / 1a named-employer populationLarge UAE conglomerate corporate employer; modelled from local conglomerate peer taxonomy; consumer-cyclical, downgrades one tier under stress. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
GEMS EducationGEMS Education, GEMS, Global Education Management Systems

flat T3

Sooner roster expansion / 1a named-employer populationLarge private education operator; payroll modelled conservatively at T3 from regulated education scale. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.
Lulu GroupLulu Group, LuLu Group International, Lulu Retail

flat T3

Sooner roster expansion / 1a named-employer populationLarge UAE retail employer; payroll modelled conservatively at T3 from enterprise retail scale. Peer-modelled placeholder (Sooner) - NOT founder-ratified, 2026-06-16.

Scoring impact

30 visible

Profile 1

T1 Federal MoF senior officer, Springs Phase 5 townhouse

Auto approveT1Tier A

The Springs · Springs Phase 5

SCS 99.1

Profile 2

T1 ADNOC senior engineer, Mirdif Hills apartment

Auto approveT1Tier A

Mirdif Hills · Mirdif Hills Janayen Avenue

SCS 97.3

Profile 3

T1 SEHA consultant nurse, Town Square Hayat townhouse

Auto approveT1Tier A

Town Square Nshama · Hayat Townhouses

SCS 93.2

Profile 4

T2 KPMG senior manager audit, Marina Promenade apartment

Auto approveT2Tier A

Dubai Marina · Marina Promenade

SCS 95.5

Profile 5

T2 MAF Group treasury, Mirdif Hills apartment

Auto approveT2Tier A

Mirdif Hills · Mirdif Hills Nasayem Avenue

SCS 91.2

Profile 6

T2 Pfizer country manager, JLT Lake Terrace apartment

Auto approveT2Tier A

JLT · Lake Terrace

SCS 92.9

Profile 7

T2 ENBD operations manager, Discovery Gardens below price floor

Auto declineT2Tier A

Discovery Gardens · Discovery Gardens Mediterranean

SCS 92.7

Profile 8

T1 SEHA hospital admin, Sobha Hartland Greens apartment

Auto approveT1Tier B

Sobha Hartland · Hartland Greens

SCS 87.2

Profile 9

T3 HSBC AVP sales and trading, Marina Heights apartment

Credit Committee reviewT3Tier A

Dubai Marina · Marina Heights

SCS 80.8

Profile 10

T3 Microsoft senior engineer 18 months, Al Ghozlan apartment

Auto declineT3Tier A

The Greens · Al Ghozlan

SCS 80.1

Profile 11

T5 Emirates cabin crew, Town Square Hayat townhouse

Auto declineT5Tier A

Town Square Nshama · Hayat Townhouses

SCS 83.6

Profile 12

T5 Better Homes broker, JLT Lake Point apartment

Manual reviewT5Tier A

JLT · Lake Point

SCS 84.4

Profile 13

T1 SEHA all good, JVC District 5 apartment

Auto declineT1Tier auto_decline

JVC · JVC District 5

SCS 81.7

Profile 14

T1 ADNOC all good, Sobha The Crest new handover

Auto declineT1Tier C

Sobha Hartland · Sobha The Crest

SCS 92.0

Profile 15

T1 Mubadala investment director, Wilton Park Terraces

Auto approveT1Tier B

Sobha Hartland · Wilton Park Terraces

SCS 94.9

Profile 16

Edge F2 recent promotion from T3 to T2, Springs townhouse

Credit Committee reviewT3Tier A

The Springs · Springs Phase 5

SCS 89.4

Profile 17

Edge F3 UAE-resident FAANG remote worker, Mirdif Hills apartment

Credit Committee reviewT3Tier A

Mirdif Hills · Mirdif Hills

SCS 88.4

Profile 18

Edge F5 son of Al Habtoor corporate payroll, Town Square townhouse

Auto approveT2Tier A

Town Square Nshama · Hayat Townhouses

SCS 92.4

Profile 19

Edge F1 lawyer with 60 percent consulting income, Mira townhouse

Auto declineT5Tier A

Mira · Mira 1

SCS 84.6

Profile 20

T1 employer with no UAE credit history, Al Furjan ready apartment

Auto approveT1Tier A

Al Furjan · Quortaj Apartments

SCS 91.1

Profile 21

T1 DIB Islamic banking analyst, Mira ready townhouse

Auto approveT1Tier A

Mira · Mira 1 Townhouses

SCS 96.4

Profile 22

T2 Etihad senior captain, Dubai Marina mature apartment

Auto approveT2Tier A

Dubai Marina · Marina Promenade Tower 1

SCS 97.4

Profile 23

T3 flydubai cabin services coordinator, Town Square apartment

Credit Committee reviewT3Tier A

Town Square Nshama · Hayat Apartments

SCS 91.6

Profile 24

T3 hospitality F&B manager, The Greens ready apartment

Credit Committee reviewT3Tier A

The Greens · Al Ghozlan 1

SCS 92.6

Profile 25

T3 Aramex logistics ops manager, Al Furjan ready apartment

Credit Committee reviewT3Tier A

Al Furjan · Quortaj Apartments

SCS 92.4

Profile 26

T4 private media producer, Marina mature apartment

Credit Committee reviewT4Tier A

Dubai Marina · Marina Heights

SCS 83.4

Profile 27

T1 EDGE defence engineer, Springs townhouse

Auto approveT1Tier A

The Springs · Springs Phase 5

SCS 98.7

Profile 28

T5 Talabat rider gig worker, Discovery Gardens apartment

Auto declineT5Tier A

Discovery Gardens · Mediterranean Cluster

SCS 80.4

Profile 29

T5 domestic worker housemaid, Al Furjan ready apartment

Auto declineT5Tier A

Al Furjan · Quortaj Apartments

SCS 82.9

Profile 30

T4 blue-collar electrician with stable UAE employer, The Greens apartment

Auto declineT4Tier A

The Greens · Al Ghozlan 1

SCS 80.9