Job Title: Head, Credit Administration at eRecruiter
Date Posted: 6th January, 2026.
Expiry Date: N/A
About the Job
The Head of Credit Administration is responsible for overseeing all post-approval credit processes to ensure sound loan documentation, regulatory compliance, proper disbursement controls, portfolio monitoring, collateral management, credit reporting, and recovery coordination. The role ensures that approved credit facilities are accurately booked, properly secured, timely monitored, and recovered in line with regulatory standards, the bank’s credit policy, and best microfinance practices.
Your Job Description
Key Responsibilities
Credit Documentation & Disbursement
Ensure all approved credit facilities are properly documented before disbursement
Verify that loan files contain complete and valid supporting documents in line with internal credit policies and CBN requirements
Approve disbursement requests only after confirming fulfillment of all credit conditions precedent
Maintain custody and management of collateral documentation
Loan Booking & Records Management
Ensure proper booking of all loan facilities in the core banking system
Maintain accurate, secure, and well-organized physical and electronic credit files
Oversee documentation audits and file updates
Credit Monitoring & Portfolio Control
Monitor loan performance across all customer segments
Generate daily, weekly, and monthly portfolio performance reports
Track loan aging, arrears, and delinquency trends
Ensure early identification of potential non-performing loans (NPLs)
Recovery & Remedial Credit Management
Coordinate with recovery teams to pursue delinquent obligations
Design and implement recovery strategies
Monitor legal actions on defaulted facilities
Track repossession and liquidation of pledged collaterals where necessary
Recommend loan restructuring or write-offs in line with regulatory guidelines
Regulatory & Policy Compliance
Ensure strict adherence to CBN guidelines, NDIC rules, and internal credit policy
Support statutory examinations and regulatory audits
Ensure timely regulatory returns relating to credit portfolio performance
Reporting
Prepare and submit management reports
Portfolio at Risk (PAR)
NPL ratios
Loan loss provisioning status
Sector concentration analysis
Recovery performance reports
Credit risk exposure dashboards
Systems & Process Improvement
Improve loan administration processes to enhance efficiency
Ensure proper use and upgrading of loan management systems
Recommend policy enhancements to strengthen portfolio quality
Risk Control
Conduct post-disbursement credit reviews
Enforce limits on borrower exposure and sector concentration
Monitor collateral adequacy and valuation updates
Ensure insurance coverage for secured assets where applicable
Leadership & Training
Supervise credit administration officers and recovery staff
Design and conduct staff training on documentation and regulatory requirements
Enforce staff discipline and a strong compliance culture