Experienced Credit Officer
AI summary
Ave Maria Microfinance Bank Limited is hiring an Experienced Credit Officer in Lagos to manage credit activities including customer acquisition, loan appraisal, disbursement, monitoring, and recovery. The role requires at least 2 years of credit/lending experience and an NCE/OND in a relevant field. Competitive salary and performance-based incentives are offered.
- Full-time credit officer role in Lagos
- Requires minimum 2 years credit/lending experience
- NCE/OND in Marketing, Banking & Finance, Economics or related field
- Competitive salary with performance-based incentives
- Apply by emailing CV to recruitment@avemariamfb.com
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Source salary availableThe source lists Competitive salary and performance-based incentives. Confirm the final pay, benefits, contract terms and allowances directly with the employer before accepting an offer.
Can you qualify for this role?
- Required2+ years of relevant experienceThe job post includes a minimum experience signal.
- PreferredPractical evidence in sales, finance, Credit OfficerThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
- UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Experienced Credit Officer evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Ave Maria Microfinance Bank Limited and the role in Not specified.
- Add concrete examples related to sales, finance, Credit Officer, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from MyJobMag Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
Source and safety check
- MyJobMag Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Experienced Credit Officer role in sales, finance?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Ave Maria Microfinance Bank Limited before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
Ave Maria Multipurpose Investment Limited (AMMIL), a micro-credit institution of the Catholic Diocese of Oyo was established in September 2018 to provide soft loans to small business owners at the diocesan coverage areas. Experienced Credit Officer Job Type Full Time Qualification BA/BSc/HND , OND Experience: 2 years Location Lagos Job Field Sales and Business Development Summary As part of our growth and commitment to maintaining a high-quality loan portfolio, we are seeking a competent, experienced, and result-oriented Credit Officer to join our team. The Credit Officer will be responsible for the effective management of the Bank's credit activities, including customer acquisition, credit appraisal, loan documentation, disbursement, monitoring, portfolio management, and recovery. The successful candidate must demonstrate strong knowledge of microfinance lending, excellent analytical ability, sound judgment, and the capacity to maintain a healthy loan portfolio while achieving business growth targets. Key Responsibilities: Source and develop quality prospective borrowers and business customers. Conduct thorough credit appraisal and due diligence on loan applications. Assess borrowers' character, capacity, capital, collateral, and business conditions. Conduct field visits and verify customers' businesses, residences, guarantors, and other relevant information. Prepare comprehensive credit appraisal reports and recommendations. Ensure that all loan applications comply with the Bank's approved credit policies and procedures. Maintain accurate and complete customer and credit documentation. Monitor disbursed loans and ensure effective post-disbursement supervision. Track repayment performance and identify early warning signs of delinquency. Follow up promptly on overdue loans and implement approved recovery strategies. Maintain strong relationships with customers while ensuring adherence to credit terms. Achieve assigned loan growth, collection, portfolio quality, and recovery targets. Maintain accurate records of customer interactions, repayments, and outstanding obligations. Work closely with Operations, Marketing, Risk, Recovery, and Branch Management teams. Provide periodic reports on loan portfolio performance, delinquency, recoveries, and emerging credit risks. Ensure strict compliance with the Bank's policies, procedures, and applicable regulatory requirements. Perform other credit-related duties as assigned by Management. Requirements: Candidates should possess: A minimum of NCE / OND in Marketing, Banking & Finance, Economics, Business Administration, or another relevant discipline. A minimum of 2 years' relevant experience: in credit/lending operations, preferably within a Microfinance Bank, commercial bank, fintech lending institution, or other financial institution. Demonstrable experience: in loan appraisal, disbursement, monitoring, and recovery. Good understanding of microfinance lending principles and credit risk management. Strong analytical, communication, marketing, and negotiation skills. High level of integrity, accountability, and ability to meet set targets. What we Offer Competitive salary and performance-based incentives. Professional development and career growth opportunities. Supportive and performance-driven working environment. Opportunity to build a rewarding career in microfinance banking. Check how your CV aligns with this job Method of Application Interested and qualified candidates should send their CV to: recruitment@avemariamfb.com using "Application for Credit Officer" as the subject of the email. Note Only shortlisted candidates will be contacted. Ave Maria Microfinance Bank Limited is an equal-opportunity employer. We are committed to recruiting individuals based on competence, integrity, experience, and suitability for the position. Join us and be part of a team committed to responsible lending, financial inclusion, and sustainable growth. Build your CV for free. Download in different templates.