The Head of Credit Application Review will lead the credit administration function, ensuring accurate loan booking, complete documentation, and strict compliance with credit policy and regulatory requirements. This role involves providing an independent review of exposures to enforce discipline and minimise legal/operational risks, overseeing loan documentation, disbursement, and collateral management, and ensuring compliance with CBN guidelines, IFRS 9, and audit/regulatory requirements. The Head will also lead, mentor, and develop a strong credit administration and review team.

Must Have

• Oversee loan documentation, disbursement, and collateral management
• Verify compliance of all facilities with approved terms, policies, and regulations
• Ensure accurate capture of credit facilities in core systems
• Manage perfection, custody, and renewal of collateral/security instruments
• Conduct independent reviews to identify gaps, exceptions, and policy breaches
• Ensure compliance with CBN guidelines, IFRS 9, and audit/regulatory requirements
• Prepare reports/dashboards for management on credit administration discipline
• Lead, mentor, and develop a strong credit administration & review team
• Degree in Finance, Accounting, Economics, or related field
• 10+ years’ credit administration/review experience (banking/fintech)
• 3+ years in leadership
• Strong credit policy knowledge
• Regulatory expertise
• Operational discipline

Good to Have

• Master’s/MBA preferred
• Professional certification (ACIB, ACCA, CFA, FRM) is an advantage

About the role:

The Head of Credit Application Review will lead the credit administration function, ensuring accurate loan booking, complete documentation, and strict compliance with credit policy and regulatory requirements. Provide an independent review of exposures to enforce discipline and minimise legal/operational risks.

Roles & Responsibilities

• Oversee loan documentation, disbursement, and collateral management.
• Verify compliance of all facilities with approved terms, policies, and regulations.
• Ensure accurate capture of credit facilities in core systems.
• Manage perfection, custody, and renewal of collateral/security instruments.
• Conduct independent reviews to identify gaps, exceptions, and policy breaches.
• Ensure compliance with CBN guidelines, IFRS 9, and audit/regulatory requirements.
• Prepare reports/dashboards for management on credit administration discipline.
• Lead, mentor, and develop a strong credit administration & review team.

key performance indicators (KPIs)

• Accuracy & timeliness of loan documentation and booking.
• % of perfected collateral/security.
• Reduced documentation exceptions & breaches.
• Zero audit/regulatory infractions.
• Timely, high-quality review reports.

Requirements

• Degree in Finance, Accounting, Economics, or related field (Master’s/MBA preferred).
• Professional certification (ACIB, ACCA, CFA, FRM) is an advantage.
• 10+ years’ credit administration/review experience (banking/fintech), with 3+ years in leadership.
• Strong credit policy knowledge, regulatory expertise, and operational discipline

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A technical interview with the hiring manager
• A behavioural and technical interview with a member of the Executive team
• All interview stages are virtual

Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.