Credit Administration Officer at City Code Mortgage Bank Limited

Job Summary

• We are seeking a meticulous and proactive Credit Administration Officer to support its growing credit operations.
• The ideal candidate will ensure proper documentation, effective monitoring of mortgage facilities, and full compliance with regulatory and internal credit policies.

Key Responsibilities

• Manage end-to-end credit documentation for all approved mortgage and loan facilities.
• Verify completeness and accuracy of all documents before disbursement, including property documents, valuations, credit bureau reports, and insurance.
• Ensure timely perfection of mortgage documentation and security creation (legal mortgages, equitable mortgages, etc.).
• Maintain an updated credit file system both physical and electronic for all customers.
• Monitor credit facilities to ensure compliance with approval terms, repayment schedules, and collateral requirements.
• Track expiries (property insurance, valuations, offer letters, legal documents) and coordinate timely renewals.
• Prepare regular credit portfolio reports, exposure summaries, and performance updates for management.
• Work closely with Credit, Legal, Risk, and Operations units to ensure seamless credit processing.
• Ensure adherence to mortgage banking regulatory guidelines (e.g., CBN, NDIC, and Mortgage Board).
• Assist in loan recovery follow-up and resolution of documentation gaps.

Qualifications & Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related field.
• 5–10years credit administration/credit operations experience preferably in a Mortgage Bank or commercial banking environment.
• Strong understanding of mortgage documentation, property perfection processes, and collateral management.
• Familiarity with CBN credit guidelines, IFRS reporting expectations, and mortgage-specific regulations.
• Excellent attention to detail, organizational skills, and documentation management.
• Strong communication, analytical, and problem-solving skills.
• High integrity, professionalism, and commitment to compliance.

What We Offer

• Competitive salary and attractive benefits.
• Opportunity to work in a structured and growth-oriented mortgage environment.
• Supportive and collaborative work culture.