Management Team – Citycode Mortgage Bank

MANAGEMENT STAFF

Our company is duly registered as a Primary Mortgage Bank and the management staffs are seasoned Nigerian professionals with several years of practical experience in mortgage creations and underwriting, financial management and consulting; and real estate practice.

OLUNIYI ABIODUN AJAO, hnd, FCA

Managing Director

Mr. Oluniyi Abiodun Ajao studied Accountancy at the Polytechnic Ibadan where he obtained Higher National Diploma (1998). He became an Associate of the Institute of Chartered Accountants of Nigeria (ICAN) in 2005 and attained the Fellow Status of the Institute in the year 2018. Mr. Ajao, gathered considerable practical banking experience while working for United Bank for Africa Plc as Operation Support staff under Industrial Attaché Scheme (1993 – 1994). He joined City-Code Trust and Investment Co. Limited as a branch Accountant in 2000 and rose through the ranks to become the Group Accountant; the position he held until his secondment to CityCode Mortgage Bank Ltd in 2010 as the Deputy General Manager, Internal Audit. He is a seasoned and highly dynamic professional, he was in charge of Internal Processes and Quality Control in the Bank, until the recent appointment as the Acting Managing Director.

EMMANUEL OBIAJULU ODUKWE, BSC, EMBA

Executive Director

Mr. Emmanuel Obiajulu Odukwe holds B.Sc. (Hons) in Surveying from University of Nigeria, Nsuka and Executive Masters in Business Administration (EMBA) from the prestigious Lagos Business School, (LBS) Victoria Island, Lagos. He has over 12 years banking experience which span across Mortgage creation and underwriting, Retail banking, Consumer banking, Credit analysis and Real Estate Development. Mr. Odukwe started his mortgage banking career with Finacorp Building Society (now Bank PHB Mortgages), where he rose to the position of Assistant Manager before joining Spring Mortgage Plc as the Head of Mortgage and Real Estate development. After successful years at Spring Mortgage Bank he joined UBA Plc as a Mortgage Analyst and rose to become a Branch Manager. Mr. Emmanuel Odukwe is versatile in mortgage and real estate trends, as well as industry-focused economic analysis; he was General Manager Mortgage Banking, before his appointment as Executive Director in the Bank.

CHIOMA IFEYINWA DIGWO

Marketing and Business Development

Chioma Ifeyinwa Digwo is a highly accomplished financial services executive with over 17 years of progressive experience spanning mortgage banking, audit, risk management, operations, compliance, and business development. A passionate leader and strategic thinker, she has consistently delivered performance growth, regulatory excellence, and stakeholder confidence in both public and private financial institutions.

Chioma holds a B.Sc. in Accounting from the University of Abuja, a Postgraduate Diploma and Master’s Degree in Public Sector Accounting from Nasarawa State University, and is currently pursuing a Doctorate in Business Administration at the National Open University of Nigeria (NOUN). She is also a Certified National Accountant (CNA) .

MARGRET ODILI, BSC

GM, Mortgage Banking

Margret Odili is a performance-driven mortgage and customer service professional with a dynamic career spanning over a decade in financial services, telecommunications, and administration. She currently serves as Head of the Mortgage Department at CityCode Mortgage Bank, where she leads one of the bank’s highest-performing marketing teams, consistently driving remarkable growth in mortgage sales, client acquisition, and portfolio expansion. With a Bachelor’s degree in Sociology from the University of Ibadan, she began her career as an Administrative Officer during NYSC, quickly developing a reputation for reliability, coordination, and communication. She went on to join 9mobile (formerly Etisalat) as a Customer Care Executive, where her exceptional service skills and attention to detail led to her transition into the role of Quality Assurance Analyst responsible for monitoring, evaluating, and improving customer experience standards across touchpoints.

Since transitioning into the mortgage finance industry, she has demonstrated outstandingleadership in team management, customer engagement, and high-value sales execution. At CityCode Mortgage Bank, her strategic approach to mortgage origination and her ability to convert leads into long-term clients have placed her at the forefront of the bank’s marketing success regularly exceeding targets and earning recognition as one of the institution’s top-performing marketers. Margret’s cross-industry background in telecoms quality assurance and customer success has equipped her with a deep understanding of consumer behavior, service excellence, and market responsiveness, critical skills she now leverages in financial product marketing and client relationship management.

TUBOLAYEFA N. GEORGE (ACA)

Financial Controller

Mr. Tubolayefa Napoleon George holds B.Sc. (Hons) in Accountancy from Rivers State University of Science & Technology (2001). He is an Associate Member of the Institute of Chartered Accountants of Nigeria (ICAN). He started his career as an Audit Trainee with Ofo Odo & Co Chartered Accountants in Port Harcourt in 2003 where he moved on to F. Akinlade & Co. Chartered Accountants, in 2006 to hold the position as Audit Manager. After acquiring considerable audit experience, Mr. George moves on to join First Marine & Engineering Services Limited in 2008 as the Finance Manager where he worked until 2017 before assuming the position of Chief Financial Officer in CityCode Mortgage Bank Limited. He is a good team player, adaptive and has brought his wealth of experience to bear on the Bank’s operations since his assumption of office.

SEGUN OLAWALE ALAGBE, HND, ANIM

Senior Manager, Risk and Compliance

Mr. Segun Olawale Alagbe holds a Higher National Diploma in Accountancy from the Polytechinic, Ibadan (2004). He is a Graduate Member, Nigerian Institute of Management (Chartered), NIM (2007), and also obtained a Proficiency Certificate in Management from the Institute (2006). Mr. Alagbe joined CityCode Mortgage Bank Ltd in 2007 as an Accountant and held the position of Head Compliance. Mr. Alagbe is currently the Business Development Manager in the Bank.

TOLULOPE ADEBANWO ADENIJI,

Manager, IT

Tolulope Adebanwo Adeniji holds a Bachelor of Technology in Computer Science from Ladoke Akintola University of Technology (2014–2018). Committed to continuous professional development, he completed a specialized training in Harnessing Data Analytics in Banking and Financial Services from the Nigeria Inter-Bank Settlement System (NiBSS) in 2024. With a growing career in technology and finance, Toluwalope brings hands-on expertise in IT support, data analytics, and business process improvement.

He currently serves as Head, IT Department at CityCode Mortgage Bank Ltd, where he manages core IT systems, resolves technical issues, and uses data to inform operational strategies. His work has played a key role in improving efficiency and reducing turnaround times across the organization. Previously, he worked as a Mortgage Officer at the same institution, supporting data reporting, compliance tracking, and digital storage systems. He began his professional journey as a Digital Media Officer at AgroInfoTech Consulting, where he focused on media performance reporting and digital systems management. Tolulope is passionate about transforming raw data into actionable insights, supporting business growth through intelligent, technology-driven solutions. He is known for his problem-solving skills, strong team spirit, and ability to align IT functions with business objectives.

JULIE MAC-YOROKI, LLB,B.L

Company Secretary

Barrister Julie Mac-Yoroki (Mrs.) holds an LL.B Hons degree from Obafemi Awolowo University, Ile-Ife, and earned her Bachelor of Law (BL) at the Nigerian Law School, Abuja. Barrister Julie Mac-Yoroki is a lawyer of repute with over 14 years of experience. She commenced her career as a lawyer with T.A.G Ivory & Co. (2002) and later moved to Segun Demuren & Co. between 2005 -2007. After acquiring considerable practice experience, Barrister Julie Mac-Yoroki established her own firm Julie Mac-Yoroki & Co. in 2007, where she has been practicing until her appointment as Senior Manager, Corporate Services in CityCode Mortgage Bank Limited. She is a member of several professional bodies including Nigeria Bar Association (NBA) and Institute of Chartered Secretaries.