Overview
Head, Credit Admin, Documentation and Governance Jobs in Lagos, Lagos State, Nigeria at Access Bank Plc
Title: Head, Credit Admin, Documentation and Governance
Company: Access Bank Plc
Location: Lagos, Lagos State, Nigeria
Group: Risk Management
Reports to: Chief Risk Officer
Grade: Senior Manager
Job Overview
- Provides leadership and oversight for credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank
- Ensures approved credit facilities are properly documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank's risk appetite
- Drives strong credit governance, enforceable security documentation, timely exception resolution, and continuous improvement across credit administration processes
Key Responsibilities
- Oversee end-to-end credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank
- Ensure approved credit facilities are documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank's risk appetite
- Confirm that all pre-disbursement conditions, including documentation, collateral, approvals, insurance, legal clearance, and security perfection, are satisfied before disbursement
- Ensure all credit and security documentation is complete, valid, enforceable, properly executed, and safely maintained
- Liaise with Legal, Business, Credit Risk, and external solicitors to ensure adequate documentation, security perfection, and collateral enforceability
- Monitor unauthorized overdrafts, expired facilities, temporary accommodations, overdue reviews, documentation exceptions, and other credit breaches for timely escalation and resolution
- Oversee collateral valuation, registration, perfection, insurance monitoring, custody, and release in line with approved policies
- Review credit administration reports, exception reports, deferral reports, collateral reports, and other control reports for accuracy and completeness
- Support the identification and escalation of potential problem loans, documentation gaps, and control weaknesses
- Coordinate credit administration inputs for internal audits, external audits, regulatory examinations, management reviews, and credit governance forums
- Drive process improvement, automation, and digitization across documentation, collateral tracking, deferral monitoring, loan booking, and reporting
- Provide leadership, coaching, supervision, and performance management for the Credit Administration, Documentation, Collateral Management, and Governance teams
- Perform other functions as assigned by the Chief Risk Officer
Requirements
Skills/Competencies
Required Knowledge, Skills and Abilities:
- In-depth knowledge of credit administration, credit risk management, loan operations, and post-approval credit controls
- Strong understanding of credit products across corporate, commercial, retail, public sector, trade finance, and specialized lending
- Strong knowledge of credit documentation, security perfection, collateral management, loan booking, and facility maintenance
- Good understanding of credit approval processes, delegated authority frameworks, regulatory requirements, and internal control standards
- Strong understanding of collateral valuation, insurance monitoring, vault custody, documentation custody, and release protocols
Generic Skills
- Strategic thinking and sound judgment
- Strong control mindset and attention to detail
- High level of integrity, discretion, and professionalism
- Strong stakeholder management and influencing skills
- Strong analytical and problem-solving skills
- Organization and coordination skills
- Ability to work under pressure and manage multiple priorities
- Strong communication skills, both oral and written
- Ownership, resilience, and accountability
Supervisory Skills
- Ability to build, structure, and sustain a high-performing control-focused team
- Ability to lead and supervise multi-functional credit administration teams
- Performance management and service delivery oversight
- Good knowledge of credit analysis, facility structuring, loan monitoring, credit workout, restructuring, and problem loan identification
- Strong analytical, reconciliation, investigation, and exception management skills
- Good understanding of audit management, regulatory reporting, credit governance, and control remediation
- Process improvement capability and ability to leverage technology for documentation, reporting, monitoring, and control automation
- Coaching, mentoring, and capability development
- Delegation and accountability management
- Conflict resolution and team alignment
Qualifications & Experience
Mandatory
- First degree in Banking and Finance, Accounting, Economics, Business Administration, Law, Risk Management, or any related discipline
- Minimum of 12 years' post-qualification experience in banking or financial services, with strong exposure to credit risk management
- Must possess relevant professional certification or membership in banking, credit, risk management, finance, accounting, legal practice, or governance, such as CIBN, ICAN, ACCA, CFA, FRM, or CRC
- Strong knowledge of credit policies, lending documentation, collateral structures, approval conditions, regulatory requirements, and banking operations
Desirable
- Relevant master's degree, such as MBA, MSc Finance, MSc Risk Management, or related field
- Additional specialist certification in credit risk management, enterprise risk management, collateral management,
- lending, compliance, or corporate governance
Application closes Thursday July 23rd, 2026. 2Only shortlisted candidates will be contacted.