Legal Officer / Recovery Manager

Position Overview

The Legal Officer / Recovery Manager is responsible for managing the bank's legal matters and overseeing the recovery of delinquent and non-performing loans. The role ensures that all recovery actions comply with legal and regulatory requirements while minimizing credit losses and protecting the bank's interests.

Key Responsibilities

• Develop and implement effective loan recovery strategies for overdue and non-performing accounts
• Ensure all credit and recovery documentation complies with applicable laws and regulatory requirements
• Liaise with external solicitors, law enforcement agencies, and regulatory bodies
• Ensure compliance with Central Bank guidelines, internal policies, and relevant legal frameworks
• Draft, review, and negotiate contracts, agreements, and other legal documents
• Provide legal advice to management and various departments on operational and regulatory matters
• Ensure the organization complies with statutory and regulatory requirements
• Track recovery targets and ensure timely resolution of delinquent accounts
• Support credit teams with legal due diligence on collateral and loan documentation
• Conduct legal research and provide opinions on business transactions and decisions

Required Qualifications & Experience

• Bachelor's Degree in Law (LL.B) with BL qualification
• 4–7 years' post-qualification experience in legal practice, loan recovery, or credit administration
• Experience in banking, microfinance, or financial services is highly preferred
• Strong knowledge of debt recovery laws, contract law, and financial regulations
• Proficiency in legal drafting and case management

Skills & Competencies

• Strong negotiation and recovery skills
• Sound legal knowledge and analytical ability
• High level of integrity and professionalism
• Attention to detail and documentation accuracy
• Excellent communication and interpersonal skills