We are seeking an experienced and detail-oriented Credit Manager with a strong background in Risk Management to join our team. The ideal candidate will play a critical role in overseeing the credit and lending process, ensuring compliance with regulatory requirements, and mitigating risks associated with mortgage lending operations. With a focus on strategic planning and operational excellence, the Credit Manager will enhance the bank\'s credit portfolio while maintaining a strong risk control framework.
Credit Risk Management
- Assess, monitor, and manage credit risks across the mortgage portfolio to ensure alignment with the bank\'s risk tolerance.
- Develop and implement credit risk policies and procedures tailored to mortgage banking operations.
- Perform in-depth credit analysis for loan applications, ensuring thorough evaluation of borrowers\' financial standing, creditworthiness, and collateral adequacy.
Credit Approval Process
- Oversee the end-to-end credit approval process, including the evaluation and recommendation of mortgage loan applications.
- Establish credit limits for clients in alignment with regulatory standards and organizational policies.
Portfolio Management
- Regularly review and analyze the bank\'s mortgage loan portfolio to identify trends, risks, and opportunities for improvement.
- Ensure timely reporting of credit portfolio performance and risk exposure to senior management.
Compliance and Regulatory Oversight
- Ensure full compliance with all regulatory requirements, including mortgage lending laws and guidelines.
- Liaise with external auditors and regulatory bodies to address any credit-related concerns.
Leadership and Collaboration
- Lead a team of credit officers, providing guidance, mentorship, and performance evaluation.
- Collaborate with internal stakeholders, including Risk, Legal, and Operations teams, to optimize credit processes and maintain high standards of service delivery.
Job Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field. A Masters degree or professional certification (e.g., CFA, FRM, or PRM) is an added advantage.
- 10–15 years of proven experience in credit management and risk management, with a focus on mortgage banking or related financial services.
- Strong understanding of mortgage lending processes, housing finance, and regulatory frameworks governing the mortgage banking industry.
- Proficiency in financial modeling, credit analysis tools, and risk assessment software.
- Exceptional analytical, problem-solving, and decision-making abilities. Excellent communication and leadership skills.
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We are seeking a highly experienced, strategic, and results-driven Senior Legal Counsel to lead and oversee the legal operations of our mortgage bank. This senior-level role is critical to ensuring the bank operates within legal and regulatory frameworks while achieving its business objectives. The ideal candidate will bring extensive expertise in property law, corporate governance, and regulatory compliance, specifically within the mortgage banking or financial services sector.
As the Senior Legal Counsel, you will serve as a trusted advisor to the executive leadership team, providing strategic legal direction to support the bank’s growth, mitigate risks, and ensure compliance with all applicable laws and regulations. You will also lead the development and implementation of legal strategies, oversee complex transactions, and manage high-value legal and regulatory matters. This role requires not only technical legal expertise but also strong leadership, excellent communication skills, and the ability to navigate complex and evolving regulatory landscapes.
Land Title Documentation
- Lead the perfection, registration, and management of all property and mortgage title documents, ensuring that each step is executed in compliance with applicable laws, regulations, and industry best practices.
- Develop and implement efficient systems for property due diligence to verify ownership, assess risks, and ensure clear title for all mortgage-related transactions.
- Provide strategic legal advice on complex land title matters, advising management on the most effective ways to mitigate risks and meet regulatory requirements. Ensure all title-related processes comply with relevant real estate and financial regulations, reducing the risk of legal disputes.
- Monitor and ensure the timely and accurate completion of all title verification and registration processes, liaising with land registries, surveyors, and other professionals involved in title perfection.
Corporate Secretarial Management
- Ensure strict adherence to corporate governance frameworks, guaranteeing compliance with the Companies and Allied Matters Act (CAMA) and other relevant laws.
- Oversee the maintenance of statutory registers and filings, ensuring that all documents are accurate, up to date, and filed in a timely manner to meet regulatory requirements.
- Actively support the development and implementation of governance policies that align with best practices, driving a culture of transparency and accountability within the organization.
Regulatory Compliance and Strategy
- Oversee the preparation, filing, and tracking of all statutory returns with the Corporate Affairs Commission (CAC) and other regulatory bodies, ensuring that the bank meets all compliance deadlines.
- Continuously monitor regulatory developments in the mortgage and financial services sectors, proactively identifying any changes that may impact the bank’s operations. Provide senior management with timely updates and strategic recommendations to ensure the bank remains compliant with the evolving regulatory landscape.
- Develop, implement, and maintain comprehensive policies and procedures designed to mitigate compliance risks, ensuring that the bank adheres to all relevant legal, regulatory, and industry standards. Provide leadership in managing compliance-related audits and inspections.
Legal Advisory and Documentation
- Lead the review, drafting, and negotiation of complex legal documents, including loan agreements, mortgages, security documents, and other contracts related to the bank’s mortgage operations. Ensure that all documents align with legal standards and the bank\'s strategic goals.
- Provide expert legal advice on high-value transactions, dispute resolutions, and strategic initiatives, including mergers, acquisitions, and other business decisions. Offer clear and concise recommendations to senior leadership on critical legal matters.
- Take charge of managing and resolving legal disputes, providing guidance on litigation processes and representing the bank in settlements and court proceedings when necessary. Work closely with external legal counsel to ensure the bank’s interests are well-represented and protected.
Leadership and Stakeholder Engagement
- Supervise, mentor, and develop junior legal team members, providing guidance and leadership to build a high-performing legal department. Foster an environment of continuous learning and professional growth.
- Represent the bank at high-level stakeholder engagements, industry forums, and regulatory meetings, ensuring that the bank’s legal position is clearly communicated and aligned with business objectives.
- Collaborate with internal teams, including compliance, risk management, and business development, to align legal strategies with broader business goals, ensuring a cohesive approach to legal matters across the organization. Work closely with external partners, including regulatory bodies, industry groups, and other stakeholders, to maintain strong relationships and ensure the bank’s legal interests are safeguarded.
Job Requirements
- Bachelor’s degree in Law (LL.B) and a Call to the Nigerian Bar (B.L), Masters degree in Law (LL.M) is an added advantage.
- 0–15 years of post-call legal experience, with a significant portion in a financial institution or similar environment.
- In-depth knowledge of property law, company secretarial practices, and regulatory frameworks.
- Strong leadership and people management skills.
- Proven experience in handling complex legal transactions and compliance matters.
- Excellent analytical, negotiation, and communication skills.
- High ethical standards, discretion, and professionalism.
- Advanced understanding of corporate governance and financial services regulations.
- Strong project management skills with the ability to handle multiple priorities effectively.
- Strategic mindset and ability to influence organizational decision-making
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We are seeking a secretary who will be the cornerstone of legal and compliance operations, bringing extensive expertise and leadership to the team.
This role is critical for managing confidential information, coordinating complex schedules, and providing strategic support to senior executives. By mentoring junior staff and fostering an efficient work environment, the senior secretary will drive the bank’s objectives in legal compliance and technological innovation, contributing significantly to the bank’s success.
- Transcribe and document high level meetings, ensuring legal accuracy and attention to detail.
- Provide administrative support to senior management, including scheduling meetings, managing calendars, and organizing files.
- Supervise junior secretarial staff and provide mentorship.
- Manage confidential client and financial information with the utmost discretion.
- Coordinate complex schedules, travel arrangements, and meeting logistics for senior executives.
- Support senior legal executives with advanced administrative tasks, including project management and compliance reporting.
- Compile and verify documentation for loan applications, ensuring accuracy and completeness
Requirement
- Bachelor\'s or HND degree in Law or related field.
- Must have between 10-15 years’ experience with a focus on mortgage banking or related financial services.
- A certificate would be an added advantage (e.g. ICSR)
- Extensive knowledge of mortgage banking regulations, and legal procedures
- Proven track record of effective communication and organizational skills.
- Expertise in MS Office Suite, transcription tools, and legal software.
- High level of accuracy and attention to detail.
- Strong leadership and mentoring capabilities.
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