Security Perfection Management

• Oversee the drafting, review, execution, and perfection of all security documentation, including charges, mortgages, debentures, guarantees, and other collateral instruments.
  

• Ensure effective coordination and timely registration of securities with relevant authorities, including the Lands Registry, Business Registration Service, and other statutory bodies.
  

• Establish and enforce quality-control standards for pre-registration review of security documentation to ensure legal validity and compliance with internal policies.
  

• Oversee engagement with external counsel and registries to drive efficiency, resolve delays, and ensure timely completion of security perfection processes.
  

Compliance and Risk Governance

• Ensure all security documentation is legally enforceable and compliant with applicable laws, including the Land Act, Companies Act, and other relevant statutes.
  

• Proactively identify, assess and manage legal and operational risks arising from security documentation and perfection processes, escalating material issues as appropriate.
  

• Confirm that all securities meet the Bank’s credit policy and risk requirements prior to credit disbursement.
  

Monitoring, Controls, and Record Management

• Maintain accurate and up-to-date records of perfected and pending securities within the bank’s systems.
  

• Monitor security perfection timelines and exception reports, ensuring prompt corrective action is taken to address defects, lapses, or delays.
  

• Ensure expiring, defective or impaired securities are renewed, rectified or otherwise mitigated to minimize legal and credit exposure.
  

Credit Structuring Advisory

• Provide legal advice on structuring complex credit facilities to ensure legal risk analysis and to propose mitigation strategies for credit fulfillment.
  

• Support Credit Committees in the review, structure and appraisal of credit facilities
  

• Provide expertise on recovery, collections, bankruptcy and insolvency issues when dealing with distressed facilities
  

• Provide legal advice on all aspects of syndicated lending including drafting and managing perfection of legal documents, such as facility agreements, inter-creditor agreements, and security documents using standard forms from the Loan Market Association (LMA).
  

Stakeholder and Advisory Leadership

• Act as a key legal liaison with internal stakeholders, including Credit Administration, Risk, and Branch teams, providing guidance and status updates on security perfection matters.
  

• Manage relationships with external stakeholders such as advocates, valuers, and registries to ensure alignment with service standards and regulatory requirements.
  

• Provide authoritative legal advisory support to business and credit teams on security structuring and documentation requirements.
  

Reporting and Management Information

• Review periodic management reports on security perfection status, exceptions and risk exposures for submission to the Legal Manager, Credit Support and Enablement.
  

• Analyze trends, bottlenecks and performance metrics within the security perfection function and recommend remedial actions.
  

Process Improvement and Capability Development

• Lead continuous improvement initiatives to enhance efficiency, accuracy and governance of security perfection processes.
  

• Develop, review and implement policies, procedures and controls related to security documentation and registration.
  

• Champion the adoption of technology and automation tools to improve tracking, documentation, reporting, and risk management.