Union Homes is Nigeria’s leading mortgage finance institution. Since its inception in 1994, it has continued to excel in its operations in Nigeria’s housing sector.
Union Homes provides mortgage finance services, builds estates, funds estate developers and estate development, supports investors in housing schemes even at state government levels, and purchases houses and estates for resale to corporate and private customers within and outside Nigeria.
Its mortgage loan portfolio has continued to grow, and its profile of intermediation services, one of the best in Nigeria, has posted Union Homes as flag bearer of Nigeria’s mortgage sector. Evidences abound mostly in Lagos, Abuja, Port Harcourt, Kaduna, Aba and Uyo. In each metropolis, the company’s well-focused strategic planning and investments have housed hundreds of families without any rigours associated with urban housing.
Expressed in more than 1,500 housing units at Abuja, over 700 housing units of various categories located in different estates and parts of Lagos, more than 300 self-contained bungalows at an estate in Aba, and the new sprawling APICO/Shelter Afrique Estate at Uyo, Union Homes projects continue to grow from day to day.
The company has bramches in various parts of Nigeria, all interconnected. Union Homes funded the development of Tanus Properties and Wilbahi Properties Estates in the Federal Capital Territory.
Driven by active management, proactive strategies and good financial profile,Union Homes is Nigeria’s first mortgage institution to invest offshore through partnership and equity in HFC Bank (Ghana) Ltd.
Jointly with South Africa’s Distribution and Warehousing Network Limited (DAWN), Union Homes set up Saffer Union (West Africa) Limited. Saffer Union is aimed at supporting a robust housing finance system that guarantees a sustained supply of quality building materials at affordable prices. Consequently, the company markets a wide range of durable building materials and housing-interior accessories.
Union Homes’ unmatched record in housing delivery and the high acceptance of its products are derived from its good parental leadership, extensive goodwill, wide branch network, strong assets base, growing information technology, and well-planned market drives.
<p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Risikatu Ladi Ahmed is an experienced result-oriented Bank Executive with consistent track record of exceeding goals and expectation in banking business for almost 3 decades. She is a chartered director from the Insead Business School, Fontainebleau and has a Certificate in Corporate Governance from<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height:115%;font-family: "Verdana","sans-serif";color:black">same Insead Business School.<br> She was appointed MD/CEO of ASO Savings and Loans Plc on the 1st of May 2021 with a mandate to reposition the bank as a front liner in the Mortgage Banking Business. Being the first Female to be appointed as the Managing Director and Chief Executive Officer of ASO Savings and Loans Plc and one of those Nigerian Bank Female MD’s breaking the ceiling as recognized by Women in Management, Business and Public service (WIMBIZ). Risi has continued to provide strategic direction and market position for the Bank.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">She holds a law degree (LLB) from University of Maiduguri and was called to the Nigerian Bar Association in 1990. She also holds a Masters’ degree in Law (LLM) from University of Jos and a Post Graduate Diploma in Management from Abubakar Tafawa Balewa University, Bauchi. She is a graduate of Advanced Management Program (AMP) from Wharton Business School, University of Pennsylvania, USA and undertook Executive level education in Harvard Business School of Boston, USA an Alumna of Lagos Business School and Insead Business School, Fontainebleau<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Prior to her appointment as MD/CEO of ASO Savings and Loans Plc, she was an Executive Director in the bank between 2015 and 2021. She led the Corporate Services Directorate. Human capital, Employee relations and Supply Chain, Operations and Technology Group, Real Estate Inventory Management Group, and Institutional Banking Group. In the course of her career, she has provided executive leadership, strategic and operational leadership towards the attainment of strategic goals and aspirations.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Before her appointment with ASO Savings & Loans Plc, as an Executive Director in 2015, She worked in Diamond Bank Plc for 16 years between July 1999 to 2015 where she held various managerial and leadership positions. Her track record of excellent performance earned her several commendations and awards. Her banking experience started from Continental Merchant Bank Plc, Lagos where she did her National Youth Service Corps program and later proceeded to work with Savannah Bank Plc, from 1993 to 1999 before moving to Diamond Bank.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Risi is a change enabler of excellence and has demonstrated transformational leadership via her multiple high-level roles on different reputable platforms. She sits as a member of Governing Council of the Chartered Institute of Bankers of Nigeria (CIBN) from 2020 to date and also serving on many Committees of the Institute. Risi is a Fellow of the Chartered Institute of Bankers of Nigeria (FCIB), Fellow Institute of Credit Administration of Nigeria (FICA), Member Institute of Directors Nigeria (IoD), Member Nigerian Bar Association (NBA), Member International Federation of Women Lawyers (FIDA), and Member Association of Professional Women Bankers and Women in Management, Business and Public service (WIMBIZ).<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Risi has been a keynote speaker in many banking related programs, she was one of the speakers in the CIBN-USA branch conference 2018, and 2nd Cate-Series program organized by the Chartered Institute of Bankers of Nigeria (CIBN) USA in November 2021.<o:p></o:p></span></p><p> </p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">With her diligently acquired achievements, Risikatu Ahmed has continued to pave the way for young Female and Male bankers alike and will continue to do so.<o:p></o:p></span></p>
<p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Abdul Kofarsauri holds a master’s degree in business administration (1999-2000) from the University of Dundee UK. He has extensive experience in Banking and Finance in several financial institution in Nigeria, Ghana, and the United Kingdom.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Abdul Kofarsauri attended several training courses and seminars in various banking and finance related courses: Insurance brokerage, Micro Credit & Public Finance, Energy/Economic Re-engineering, Interpersonal skills, Poverty Alleviation in Africa, Senior Management, Communication and Presentation, International Business Transactions, Window Suite and Lotus at Harvard Business School Leadership for Senior Executives, Belgium, UK and South Africa.<o:p></o:p></span></p><p> </p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">He was a former board member of the Federal College of Agriculture, Ondo State, Cocoa Research Institute of Nigeria, First Bank plc, International Commercial Bank of Ghana and currently a board member of First Bank plc, Ghana.<o:p></o:p></span></p>
<p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Daniel Dayo Kunle was a Director on the Board of Yola Electricity Distribution Company. He was a Board Member of FCT Ministerial Land Allocation Review and Reform Committee, Committee of Inspection (Appointed by Court) for the Liquidation of Nigeria Airways Limited, National Truck Manufacturing Company Limited, Nigeria Hotels Limited, Federal Superphosphate Fertilizer Company Limited, Sheraton Hotel &Towers (Capital Hotel Plc). He was a member of the Presidential Implementation Committee of the White Paper of the Commission of Inquiry on the Alienation of the Federal Government Landed Properties Nationwide.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">He served as a Special Assistant to the Director General of the Bureau of Public Enterprises. He served as Senior Technical Assistant (STA) to the Honorable Minister of State for Energy (Gas) between 2007-2009 when the Nigeria Gas Master Plan was developed and approved for implementation to harness the natural gas resources of Nigeria. He was a team member of NITEL/MTEL Privatization Program and Nigeria Security Printing and Minting Company Privatization Program. He was Personal Aide to the Honorable Minister of Police Affairs.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Daniel Dayo Kunle has vast consultancy experiences in project facilitation, organization and management with the Kogi State Government, Federal Government of Nigeria, and ECOWAS.<o:p></o:p></span></p><p> </p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">He is a graduate of the Federal Polytechnic Bida with an Upper Credit in Business and Management and is currently a Director on Board of Ibadan Electricity Distribution Company.<o:p></o:p></span></p>
<p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Isiyaku Ismalia is a Chartered Accountant and is currently a Principal Partner of Hairuji and Associates. He had a distinguished and meritorious career at the Federal Capital Territory Administration and FCT Internal Revenue Services from where he retired as Director of Treasury. Over the years, he has built up his managerial capacity in Halal Fountain Hotel Limited, TRI System Nigeria Limited and Habib Nigeria Bank Limited.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">He has attended several courses, workshops and seminars in Nigeria, Sri Lanka, Malta, Rwanda and Malaysia.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">Isiyaku Ismalia is a Fellow of the Forensic and Investigative Auditor, African Business School, Association of National Accountants of Nigeria, Institute of Fraud Examiners, and Institute of Treasury Management, He is a member of Chartered Institute of Bankers of Nigeria, Financial Reporting Council of Nigeria, Joint Tax Board of the Federation, Chartered Institute of Purchasing and Supply Management of Nigeria and Chartered Institute of Taxation of Nigeria.<o:p></o:p></span></p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">As part of his accomplishment, he was given several awards and commendations- Presidential Civil Service Merit Award, Distinguished membership Award at the Nigeria College of Accountancy Alumni Association, Distinguished Membership Award (ANAN), Certificate of Honour by National Association of Nigerian Students (NANS), Commendation by HNBL for Achieving Deposit/ Profit Debt Recovery Target, Merit Award by CBN Clearing House Committee, Commendation for Recovery of Non-Performing Credit by HNBL, Commendation from HNBL for Foiling Fraud Attempt and Commendation from HNBL for Achieving Target.<o:p></o:p></span></p><p> </p><p style="margin: 0in 0in 0.0001pt; text-align: justify; line-height: 115%; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:9.0pt;line-height: 115%;font-family:"Verdana","sans-serif";color:black">He obtained a Bachelor degree in Business Administration and Master degree in International Affairs and Diplomacy at Ahmadu Bello University, Zaria. He further obtained Master of Public Policy and Administration at Bayero University and an Accounting Certification from the Nigeria College of Accountancy.<o:p></o:p></span></p>