Lead, Credit Administration at Zedcrest Capital Limited

JOB SUMMARY

• The Lead, Credit Administration will be responsible for leading the credit administration function, ensuring that all approved credit facilities are properly documented, accurately booked, fully compliant, and effectively controlled throughout their lifecycle.
• This role is critical in safeguarding the institution against operational, documentation, and legal risks, while ensuring alignment with internal policies and regulatory requirements.

RESPONSIBILITIES

• Oversee end-to-end credit administration processes, including documentation, collateral perfection, disbursement, and loan booking
• Ensure all approved facilities are implemented strictly in line with approval terms and conditions
• Enforce compliance with conditions precedent and conditions subsequent prior to and after disbursement
• Manage collateral documentation, perfection, custody, and renewals, ensuring enforceability at all times
• Ensure accurate loan booking, limit creation, and data capture in the core banking system
• Maintain complete, audit-ready credit files and documentation standards across all facilities
• Monitor and track documentation exceptions, expired securities, and covenant breaches, ensuring timely resolution
•  Provide independent review to ensure compliance with credit policy, regulatory requirements, and approval conditions
• Ensure proper execution of loan restructuring, renewals, amendments, and rescheduling documentation
• Drive regulatory and management reporting relating to credit administration, documentation, and collateral
• Identify and mitigate operational and documentation risks within the credit lifecycle
• Collaborate with Underwriting, Legal, Operations, Finance, and Business teams to ensure seamless credit execution
• Support internal and external audits, ensuring closure of all credit administration-related findings
• Lead process improvement and automation initiatives to enhance efficiency and reduce manual errors
• Develop and enforce standard operating procedures (SOPs) for credit administration

QUALIFICATIONS

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• Minimum of 5 -7 years’ experience in credit administration, credit operations, or credit risk within financial services.
• Strong understanding of loan documentation, collateral management, regulatory compliance, and credit processes
• Relevant certifications (e.g., ACIB, ACCA, CFA, FRM) are an added advantage

KEY COMPETENCIES

• Strong knowledge of credit administration and loan lifecycle management
• High attention to detail and control orientation
• Strong understanding of legal documentation and collateral structures
• Ability to enforce discipline and compliance across teams
• Strong leadership and stakeholder management skills
• Process improvement and operational efficiency mindset