Head, Credit Admin, Documentation and Governance

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