Legal Officer at AB Microfinance Bank

REF. CODE:      LO/L/MAY/2026

Main Responsibilities:

• Advising lending unit on general legal aspects of credit business
• Receiving and reviewing clients’ solicitors’ letters to understand the legal implications of the correspondence and respond appropriately.
• Provide daily support to branches regarding all recovery decisions and activities. 
• Support and liaise with external solicitors, law enforcement, and other stakeholders on recovery matters.
• Conduct research on Legal issues especially on the adequacy of various types of securities granted by the bank and make recommendations to Head of Credit regularly on legal aspect of lending
• Support in the preparation and filing of regulatory returns in compliance with the provision of the Nigeria law, local requirements and regulatory guidelines.
• Participate in the negotiation and settlement of disputes if any, between loan clients and the bank.
• Ensure proper filing and record keeping of documents and internal registers within the department and review of credit contracts to meet the standards required of the lending business.

Necessary experience and knowledge:

• Bachelor of Laws (LL.B) and BL (Barrister at Law) from the Nigerian Law School.
• Minimum 3–4 years post call to bar experience in debt recovery, litigation support, or commercial law (experience in financial services is an added advantage).
• Strong understanding of debt recovery procedures, banking regulations, and legal documentation.
• Excellent communication, negotiation, and persuasive skills.
• High ethical standards, attention to detail, and ability to work under pressure.
• Sound knowledge of MS Office package, database management and record keeping
• Ability to work with high level of discretion and confidentiality
• Excellent interpersonal and organizational skills
• Proven debt recovery and negotiation skill
• Analytical and problem-solving ability
• Outstanding legal drafting and documentation abilities