Job Description

Group: Risk Management

Reports to: Chief Risk Officer

Grade: Senior Manager

• Provides leadership and oversight for credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank.
• Ensures approved credit facilities are properly documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank’s risk appetite.
• Drives strong credit governance, enforceable security documentation, timely exception resolution, and continuous improvement across credit administration processes.

Key Responsibilities

• Oversee end-to-end credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank.
• Ensure approved credit facilities are documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank’s risk appetite.
• Confirm that all pre-disbursement conditions, including documentation, collateral, approvals, insurance, legal clearance, and security perfection, are satisfied before disbursement
• Ensure all credit and security documentation is complete, valid, enforceable, properly executed, and safely maintained
• Liaise with Legal, Business, Credit Risk, and external solicitors to ensure adequate documentation, security perfection, and collateral enforceability.
• Monitor unauthorized overdrafts, expired facilities, temporary accommodations, overdue reviews, documentation exceptions, and other credit breaches for timely escalation and resolution
• Oversee collateral valuation, registration, perfection, insurance monitoring, custody, and release in line with approved policies.
• Review credit administration reports, exception reports, deferral reports, collateral reports, and other control reports for accuracy and completeness.
• Support the identification and escalation of potential problem loans, documentation gaps, and control weaknesses
• Coordinate credit administration inputs for internal audits, external audits, regulatory examinations, management reviews, and credit governance forums
• Drive process improvement, automation, and digitization across documentation, collateral tracking, deferral monitoring, loan booking, and reporting
• Provide leadership, coaching, supervision, and performance management for the Credit Administration, Documentation, Collateral Management, and Governance teams
• Perform other functions as assigned by the Chief Risk Officer

Requirements

Skills/Competencies

Required Knowledge, Skills and Abilities:

• In-depth knowledge of credit administration, credit risk management, loan operations, and post-approval credit controls
• Strong understanding of credit products across corporate, commercial, retail, public sector, trade finance, and specialized lending
• Strong knowledge of credit documentation, security perfection, collateral management, loan booking, and facility maintenance
• Good understanding of credit approval processes, delegated authority frameworks, regulatory requirements, and internal control standards
• Strong understanding of collateral valuation, insurance monitoring, vault custody, documentation custody, and release protocols

Generic Skills

• Strategic thinking and sound judgment
• Strong control mindset and attention to detail
• High level of integrity, discretion, and professionalism
• Strong stakeholder management and influencing skills
• Strong analytical and problem-solving skills
• Organization and coordination skills
• Ability to work under pressure and manage multiple priorities
• Strong communication skills, both oral and written
• Ownership, resilience, and accountability

Supervisory Skills

• Ability to build, structure, and sustain a high-performing control-focused team
• Ability to lead and supervise multi-functional credit administration teams
• Performance management and service delivery oversight
• Good knowledge of credit analysis, facility structuring, loan monitoring, credit workout, restructuring, and problem loan identification
• Strong analytical, reconciliation, investigation, and exception management skills
• Good understanding of audit management, regulatory reporting, credit governance, and control remediation
• Process improvement capability and ability to leverage technology for documentation, reporting, monitoring, and control automation
• Coaching, mentoring, and capability development
• Delegation and accountability management
• Conflict resolution and team alignment

Qualifications & Experience

Mandatory

• First degree in Banking and Finance, Accounting, Economics, Business Administration, Law, Risk Management, or any related discipline
• Minimum of 12 years’ post-qualification experience in banking or financial services, with strong exposure to credit risk management
• Must possess relevant professional certification or membership in banking, credit, risk management, finance, accounting, legal practice, or governance, such as CIBN, ICAN, ACCA, CFA, FRM, or CRC
• Strong knowledge of credit policies, lending documentation, collateral structures, approval conditions, regulatory requirements, and banking operations

Desirable

• Relevant master’s degree, such as MBA, MSc Finance, MSc Risk Management, or related field
• Additional specialist certification in credit risk management, enterprise risk management, collateral management,
• lending, compliance, or corporate governance

Application closes Thursday July 23rd, 2026. 2Only shortlisted candidates will be contacted.