Jobs at Family Homes Funds Limited (FHFL)

Job Description

• The Legal Officer is responsible for executing day-to-day legal operations, ensuring robust contract management, and supporting corporate governance protocols.
• This role drafts and reviews commercial agreements, handles regulatory compliance matters, manages external litigation files, and acts as a key operational anchor for the Company Secretariat.

Key Responsibilities
Company Secretariat & Governance Support:

• Assist the Company Secretary in preparing agendas, assembling board packs, and verifying documentation for Board and Committee meetings.
• Attend designated internal or subsidiary management committee meetings to take minutes and draft formal resolutions
• Track the implementation of action points and directives arising from Board and management meetings.

Contract Management and Drafting:

• Draft, review, and negotiate standard and semi complex commercial contracts, lease agreements, nondisclosure agreements (NDAs), and service level agreements (SLAs).
• Review developer project documents and joint venture proposals to identify legal risks and ensure alignment with institutional templates.
• Standardize internal contract templates across departments to accelerate business operations.

Regulatory Compliance and Perfection Titles:

• Coordinate the perfection of titles, registration of charges, and documentation of land assets across various state registries.
• Draft and file statutory returns with corporate regulators (e.g., Corporate Affairs Commission) within specified timelines.
• Evaluate internal departmental operations against local statutory codes to prevent compliance breaches.

Litigation Management and External Counsel Oversight:

• Maintain the institutional litigation register, tracking updates, hearing dates, and outcomes for all active matters.
• Collate case materials, evidence, and briefs required by external counsels representing the organization.
• Conduct initial reviews of external counsel billings and fee notes against agreed engagement terms.

Key Competencies:

• Strong proficiency in drafting precise, legally binding commercial agreements and corporate documents.
• Practical knowledge of Nigerian corporate law, real estate law, and the operational procedures of landregistries and regulatory bodies.
• Excellent skill in summarizing complex corporatediscussions into concise, professional minutes.
• Ability to resolve contractual deadlocks and minorexternal disputes constructively.

Requirements

• Bachelor of Laws (LLB) and Call to the Bar (BL) aremandatory.
• 7–9 years of progressive post-call experience in atop-tier commercial law firm or an in-house legaldepartment within financial services or real estate.
• Professional membership in the Nigerian Bar Association (NBA). Progress toward ICSANcertification is a distinct advantage.

What Success Looks Like;

• Protect FHFL's legal and regulatory interests by ensuring all contracts, corporate actions, and legaldocumentation are accurate, compliant, and aligned with applicable laws and the Company's strategicobjectives.
• Strengthen FHFL's governance and operational effectiveness by providing timely legal support,maintaining robust corporate governance processes, and ensuring statutory obligations are met withoutexceptions.
• Minimize legal and compliance risks by proactively identifying legal exposures, effectively managinglitigation and external counsel, and ensuring the timely perfection of titles and regulatory filings.

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Credit Risk Management Officer

• The Credit Risk Management Officer is responsible for  executing the day-to-day appraisal, underwriting, and risk assessment of all credit-exposed initiatives within FHF.
• This role ensures that housing construction partners, off-taker financing structures, and portfolio investments align strictly with the board-approved risk appetite. The role holder minimizes delinquency exposure, monitors asset performance, and reviews financial tracking models to protect institutional capital and ensure high asset quality.

Key Responsibilities
Credit Underwriting & Investment Appraisal:

• Conduct independent credit risk assessments of developer financing proposals, construction joint ventures, project finance applications, and other credit facilities.
• Evaluate borrowers' creditworthiness, repayment capacity, project viability, financial models, cash flows, funding requirements, pricing assumptions, and sensitivity to key risk factors.
• Review collateral structures, valuation reports, security documentation, guarantees, and insurance arrangements to ensure adequate credit protection.
• Prepare comprehensive Credit Risk Assessment Reports and underwriting memoranda with clear recommendations to support credit approval decisions.

Portfolio Monitoring & Credit Risk Management:

• Monitor portfolio performance, including delinquency, default, non-performing exposures, covenant compliance, and other key credit risk indicators, escalating emerging risks and recommending appropriate mitigation, restructuring, or recovery actions.
• Conduct periodic financial reviews of developers, Primary Mortgage Banks (PMBs), off-takers, and other counterparties to assess ongoing creditworthiness and identify early warning signs of distress.

Portfolio Analytics, Compliance & Risk Governance:

• Review periodic borrower and project financial reports, prepare portfolio risk analytics and stress tests, and identify concentration risks, funding gaps, covenant breaches, and emerging credit concerns.
• Support impairment assessments by maintaining accurate risk ratings and providing credit information for Expected Credit Loss (ECL) calculations in accordance with applicable accounting standards.
• Maintain accurate credit risk records and support regulatory examinations, internal audits, and external credit reviews by ensuring complete and up-to-date credit documentation.
• Monitor compliance with Environmental and SocialRisk Management (ESRM) requirements and applicable regulatory and internal risk management frameworks.
• Support the implementation and periodic review of the Company's Credit Risk Policy, underwriting standards, and risk management framework, recommending enhancements based on portfolio performance, emerging risks, and industry best practices.

Key Competencies:

• Strong analytical skills with the ability to assess financial statements, cash flows, and real estate project financial models.
• Sound knowledge of mortgage finance, credit risk assessment, loan provisioning, and credit risk rating methodologies.
• Ability to critically evaluate financial assumptions, project viability, and delivery timelines.
• Strong attention to detail with the ability to monitor compliance requirements, portfolio concentrations, and credit covenants.
• Monitor macroeconomic, housing sector, and construction market developments and assess their potential impact on portfolio quality and lending decisions.

Disbursement & Credit Control:

• Review pre-disbursement conditions and project milestone validation reports to confirm compliance with approved credit terms before fund releases.
• Ensure project drawdowns align with physical progress, approved financing structures, internal credit policies, delegated authorities, and prescribed lending limits.
• Foundational certifications or postgraduate degrees in risk/finance are a plus.

Requirements

• Bachelor’s Degree in Finance, Economics, Accounting, Actuarial Science, or a highly quantitative field. Master’s Degree is an advantage
• 7–9 years of progressive experience in credit risk analysis, commercial mortgage underwriting, corporate lending, or real estate fund risk management
• Progress toward or completion of relevant designations such as FRM, CFA, ACCA, ICAN, or a  recognized credit management certification.

What Success Looks Like;

• Ensure all credit proposals are rigorously assessed and underwritten within the company's approved risk appetite, contributing to low delinquency and non-performing loan (NPL) levels while preserving asset quality.
• Complete high-quality credit assessments and underwriting recommendations within agreed turnaround times, enabling efficient approval processes without compromising risk standards or regulatory compliance.
• Continuously monitor the credit portfolio to identify emerging risks, covenant breaches, and deteriorating exposures early, recommending effective mitigation, restructuring, or recovery actions to minimize potential losses.