Credit Administration Officer at CityCode Mortgage Bank Limited

CityCode Mortgage Bank Limited is a duly registered Primary Mortgage Bank that has remained healthy since its inception in 1992. We are also an accredited Primary Mortgage Bank (PMB) for the National Housing Fund (NHF) and a subscriber to the recently created Nigerian Mortgage Refinance Company Plc (NMRC). We are set up for the purpose of providing mortgage loans and assisting customers in accessing the National Housing Fund Loan through the Federal Mortgage Bank of Nigeria.

We offer various mortgage products, guidance, and advisory services to corporate organizations and individuals to empower them to access housing finance. We also finance and facilitate the provision of mortgage and real-estate related services in apt response to our teeming customer needs. We focus on providing affordable housing units for interested home seekers/developers/cooperatives who desire a well-structured mortgage offer. Further to this, we also keep our customers abreast of financial activities as well as provide high-quality customer service. We remain sound, secure, and solid with a very vibrant Board and Management team headed by result-thirsting professionals.

We are recruiting to fill the position below:

Job Title: Credit Administration Officer

Location: Lagos
Employment Type: Full-time

Job Summary

• We are seeking a meticulous and proactive Credit Administration Officer to support its growing credit operations.
• The ideal candidate will ensure proper documentation, effective monitoring of mortgage facilities, and full compliance with regulatory and internal credit policies.

Key Responsibilities

• Manage end-to-end credit documentation for all approved mortgage and loan facilities.
• Verify completeness and accuracy of all documents before disbursement, including property documents, valuations, credit bureau reports, and insurance.
• Ensure timely perfection of mortgage documentation and security creation (legal mortgages, equitable mortgages, etc.).
• Maintain an updated credit file system both physical and electronic for all customers.
• Monitor credit facilities to ensure compliance with approval terms, repayment schedules, and collateral requirements.
• Track expiries (property insurance, valuations, offer letters, legal documents) and coordinate timely renewals.
• Prepare regular credit portfolio reports, exposure summaries, and performance updates for management.
• Work closely with Credit, Legal, Risk, and Operations units to ensure seamless credit processing.
• Ensure adherence to mortgage banking regulatory guidelines (e.g., CBN, NDIC, and Mortgage Board).
• Assist in loan recovery follow-up and resolution of documentation gaps.

Qualifications & Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related field.
• 5–10years credit administration/credit operations experience preferably in a Mortgage Bank or commercial banking environment.
• Strong understanding of mortgage documentation, property perfection processes, and collateral management.
• Familiarity with CBN credit guidelines, IFRS reporting expectations, and mortgage-specific regulations.
• Excellent attention to detail, organizational skills, and documentation management.
• Strong communication, analytical, and problem-solving skills.
• High integrity, professionalism, and commitment to compliance.

What We Offer

• Competitive salary and attractive benefits.
• Opportunity to work in a structured and growth-oriented mortgage environment.
• Supportive and collaborative work culture.

Application Closing Date
26th November, 2025.