Legal Officer – Credit Documentation

Reporting Line

LEGAL ADVISOR

LocationDRC Branch

Branch

DRC SUBSIDIARY

Number of openings
1

Job Purpose

The Candidates must be in Katanga at the time of application as the role is based in Lubumbashi.

The Legal Officer Credit will provide dedicated legal support to the Credit function throughout the credit lifecycle by ensuring that facility and security documentation is legally sound, approved terms are properly documented, securities are validly created and perfected and recovery or enforcement actions are effectively supported.

The role also provides timely legal advice on credit transactions to protect the Bank’s interests and ensure compliance with applicable laws, BCC requirements, OHADA provisions and internal policies

Principle Responsibilities

• Review and prepare credit and security documentation, ensuring alignment with approved terms, applicable laws and the Bank’s policies.

• Provide legal advice to Credit and Business teams on lending structures, contractual terms, security arrangements and associated legal risks.

• Identify documentation gaps, legal risks and enforceability issues and recommend appropriate mitigants.

• Coordinate the creation, registration and perfection of mortgages, pledges, guarantees, assignments and other securities in favour of the Bank.

• Conduct or coordinate legal due diligence on collateral, ownership, title, corporate authority and other matters affecting the validity and enforceability of securities.

• Support the Bank’s recovery, restructuring and enforcement activities, including legal documentation, demand notices, settlements and security enforcement.

• Monitor credit-related litigation, recovery and security matters, ensuring timely escalation of risks and outstanding actions.

• Liaise with external counsel, notaries, public registries and relevant authorities on credit, security and recovery matters.

• Provide guidance on applicable DRC laws, OHADA requirements, BCC regulations and internal policies relevant to lending and recovery.

• Maintain accurate legal and security records and ensure that documentation is completed, properly executed and securely maintained within agreed timelines.

Qualifications Required