Credit Officer Jos

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.

Client Acquisition &  Business Development:

Identify and visit potential clients, particularly small-scale business owners who require business financing. Explain the organization's loan products, terms, conditions and repayment schedules to prospective clients. Build and maintain strong relationships with existing and prospective clients. Promote the organization's financial services within assigned locations. Meet assigned client acquisition and loan disbursement targets.

Collect and verify relevant information and documentation from prospective borrowers. Assess clients' businesses, repayment capacity and suitability for loans. Conduct field visits and basic business assessments where required. Prepare accurate loan applications and submit them for approval. Ensure that all required documentation is complete before loan disbursement.

Monitor clients after loan disbursement to ensure proper utilization of funds. Maintain regular contact with borrowers and remind them of repayment schedules. Follow up on overdue payments and support effective loan recovery. Collect repayments from clients in accordance with approved company procedures. Ensure all recovered funds are properly accounted for and remitted to the company's designated account. Report delinquent accounts and recovery challenges promptly to the supervisor.

Maintain accurate and up-to-date records of clients, loans, repayments and outstanding balances. Prepare daily, weekly and monthly reports as required. Ensure confidentiality and proper handling of client and company information. Comply with all company policies, procedures and financial control requirements.

Required qualifications

HND or B.Sc. in any field. 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 in microfinance, lending, credit management, sales or customer relationship management is an advantage. Previous experience is not compulsory, as successful candidates will receive relevant training.

Good communication and interpersonal skills. Ability to interact confidently with business owners and other clients. Customer service and relationship-management skills. Persuasive and negotiation skills. Basic numerical and financial literacy. Ability to work independently and meet targets. Good record-keeping and reporting skills. Honesty, integrity and accountability. Ability to work in the field and travel within assigned locations. Basic computer and smartphone skills. Ability to handle confidential information responsibly.

Target-driven and results-oriented. Trustworthy and responsible. Self-motivated and hardworking. Friendly and approachable. Resilient and able to work under pressure. Willing to learn and develop professionally. Comfortable interacting with small business owners and working in the field.

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. Candidates without prior microfinance experience are therefore encouraged to apply.

Acquire qualified clients. Process quality loan applications. Maintain strong client relationships. Achieve assigned loan and recovery targets. Maintain a healthy loan portfolio. Ensure timely repayment and effective recovery of outstanding loans. Maintain accurate client and financial records. Comply fully with the organization's policies and procedures.

Employee benefits

Minimum of N80, 000 salary for a start Training and professional development opportunities. Opportunity to develop experience in credit, microfinance and financial services..

7th September, 2026. Method of Application

Interested and qualified candidates should send their CV and application letter to: [Email hidden - Login to reveal] using the job title as the subject of the email.