Credit Officer
AI summary
DO5 Stores is hiring a full-time Credit Officer in Jos, Plateau, to identify and onboard small-scale business owners needing financing. The role involves client acquisition, credit assessment, loan monitoring, and recovery, with training provided for suitable candidates.
- Full-time role based in Jos, Plateau
- Focus on microfinance and small-business lending
- Training provided; previous experience not compulsory
- Requires fieldwork and client relationship management
- Open to OND, HND, or B.Sc. holders with 1–5 years experience
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required1+ years of relevant experienceThe job post includes a minimum experience signal.
- PreferredPractical evidence in sales, call_center, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in JosThe 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 Credit Officer evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to DO5 Stores and the role in Jos.
- Add concrete examples related to sales, call_center, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla 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 Credit Officer role in sales, call_center?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Jos under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research DO5 Stores before the interview.
Ask what the first priorities will be in the role and how success will be measured.
Similar jobs to consider
Use AI to apply better
After confirming the original source, use Career Assistant to check role fit, tailor your CV and prepare a cover letter or employer message.
Original source description
Credit Officer at DO5 Stores ⏲ Sep 1, 2026, 11:02 AM ⋕ View all Banking & Financial Services jobs D05 Stores is a dynamic wholesale company specializing in the distribution of household consumables. We are committed to delivering quality products at competitive prices while maintaining efficient operations and excellent customer service. Our team-driven culture supports growth, accountability, and continuous improvement as we expand our reach and impact. We are recruiting to fill the position below: Job Title: Credit Officer Location: Jos, Plateau Employment Type: Full-time Job purpose The Credit Officer will be responsible for identifying and onboarding eligible small-scale business owners who require financing to expand their businesses. The officer will assess prospective clients, facilitate loan applications, monitor loan utilization, maintain good client relationships, and ensure timely repayment and recovery of loans. The successful candidate will work closely with business owners in the field and contribute to the organization's goal of supporting small businesses through accessible financing. Key Responsibilities: Client Acquisition & Business Development: Promote the organization's financial services within assigned locations. Build and maintain strong relationships with existing and prospective clients. Explain the organization's loan products, terms, conditions and repayment schedules to prospective clients. Identify and visit potential clients, particularly small-scale business owners who require business financing. Meet assigned client acquisition and loan disbursement targets. Credit Assessment & Loan Processing: Ensure that all required documentation is complete before loan disbursement. Conduct field visits and basic business assessments where required. Prepare accurate loan applications and submit them for approval. Collect and verify relevant information and documentation from prospective borrowers. Assess clients' businesses, repayment capacity and suitability for loans. Loan Monitoring & Recovery: Maintain regular contact with borrowers and remind them of repayment schedules. Ensure all recovered funds are properly accounted for and remitted to the company's designated account. Collect repayments from clients in accordance with approved company procedures. Monitor clients after loan disbursement to ensure proper utilization of funds. Follow up on overdue payments and support effective loan recovery. Report delinquent accounts and recovery challenges promptly to the supervisor. Documentation & Reporting: Maintain accurate and up-to-date records of clients, loans, repayments and outstanding balances. Comply with all company policies, procedures and financial control requirements. Prepare daily, weekly and monthly reports as required. Ensure confidentiality and proper handling of client and company information. Required qualifications Candidates with 1–5 years of experience: are encouraged to apply. Candidates with OND or equivalent qualifications may also be considered based on relevant abilities and performance. Previous experience: is not compulsory, as successful candidates will receive relevant training. Previous experience: in microfinance, lending, credit management, sales or customer relationship management is an advantage. HND or B.Sc. in any field. Required skills & competencies: The ideal candidate should possess: Ability to work in the field and travel within assigned locations. Ability to handle confidential information responsibly. Ability to work independently and meet targets. Basic computer and smartphone skills. Persuasive and negotiation skills. Ability to interact confidently with business owners and other clients. Good communication and interpersonal skills. Basic numerical and financial literacy. Honesty, integrity and accountability. Customer service and relationship-management skills. Good record-keeping and reporting skills. Personal attributes: The successful candidate should be: Target-driven and results-oriented. Trustworthy and responsible. Willing to learn and develop professionally. Comfortable interacting with small business owners and working in the field. Friendly and approachable. Resilient and able to work under pressure. Self-motivated and hardworking. Training & development: Candidates without prior microfinance experience: are therefore encouraged to apply. Ranchi People's Empowerment Initiative provides training to successful candidates to equip them with the knowledge and practical skills required for credit operations, client acquisition, loan monitoring, repayment management and customer relationship management. Performance expectations: The Credit Officer will be expected to: Maintain accurate client and financial records. Comply fully with the organization's policies and procedures. Process quality loan applications. Achieve assigned loan and recovery targets. Ensure timely repayment and effective recovery of outstanding loans. Maintain a healthy loan portfolio. Maintain strong client relationships. Acquire qualified clients. Employee benefits: Successful candidates may be entitled to: Opportunity to develop experience: in credit, microfinance and financial services.. Minimum of N80, 000 salary for a start Training and professional development opportunities. How to Apply Interested and qualified candidates should send their CV and application letter to: do5storeshr@gmail.com using the job title as the subject of the email. Application Deadline: 7th September, 2026. View all Jobs in Nigeria Jos and 1 other location Jos , Plateau State Credit Officer job vacancies in Nigeria