Legal Officer/Recovery Manager at Elizabeth Maddeux

Job Summary

The Legal Officer will support the organization’s debt recovery efforts by managing delinquent loan accounts, coordinating enforcement actions, and ensuring all recovery activities comply with applicable laws and internal policies.

The role requires a practical understanding of loan recovery processes, legal documentation, and collaboration with external solicitors to minimize credit losses and improve recovery outcomes.

Key Responsibilities

Loan Recovery & Collections

• Support the execution of recovery strategies for overdue and non-performing loans.  
• Follow up on delinquent accounts and engage borrowers to drive repayments. 
• Negotiate and structure repayment plans in line with company policies. 
• Monitor assigned loan portfolio and escalate high-risk cases when necessary. 
• Maintain accurate records of recovery activities and borrower communications. 
• Prepare periodic recovery status reports. 

Legal Coordination & Enforcement

• Assist in initiating recovery actions, including demand notices and enforcement steps. 
• Coordinate with external solicitors on litigation and recovery cases. 
• Track ongoing legal cases and ensure timely follow-ups. 
• Support collateral documentation review and basic due diligence checks. 

Compliance & Documentation

• Ensure recovery activities comply with internal policies and regulatory requirements. 
• Assist in reviewing loan and recovery-related documents for accuracy and completeness. 
• Maintain proper documentation and filing of legal and recovery records. 

Internal Collaboration

• Work closely with the credit and operations teams to resolve delinquent accounts. 
• Provide basic legal input on recovery-related matters when required. 

Qualifications & Experience

• Bachelor of Laws (LL.B) and Barrister-at-Law (BL) qualification. 
• 3–5 years post-call experience in legal practice, recovery, or credit administration. 
• Experience in a financial institution, microfinance bank, or law firm is an advantage. 
• Basic understanding of debt recovery processes and loan documentation. 

Core Competencies

• Good negotiation and communication skills. 
• Basic knowledge of debt recovery and enforcement processes. 
• Attention to detail in documentation and case tracking. 
• Ability to manage multiple cases with supervision. 
• Professionalism and integrity. 

Compensation & Benefits

• ₦250,000 monthly salary 
• Health insurance 
• Pension contribution