Credit Investigator

Job description:

DUTIES AND RESPONSIBILITIES:

• Conduct ocular inspection to applicants’ residence, workplaces, and business locations.
• Prepares accurate Credit Approval Memorandum (CAM) upon completion of the credit investigation process and reports any discrepancies identified during the review of information in documents against the confirmed details by the borrower and co borrower.
• Validates the information reflected on loan application and authenticity of loan documents through interview with the borrower/co borrower and character references, bank checking, agency/employment verification and credit investigation.
• Verifies borrower's payment history of previous or existing loan/s with other financing institutions.
• Verify personal, employment, and financial information provided in loan applications
• Prepare and submit detailed investigation reports with findings and recommendations
• Take photos and gather supporting documents during fieldwork
• Ensure all investigations comply with company policies and legal standards
• Ocular inspection of assets such as car to verify ownership and assess collateral value (picture & stencil).
• Review and validate submitted documents of applicants.
• Maintain strict confidentiality of applicant's information.
• Recommend appropriate credit decision (approve, decline or conditional approval).
• Performs other tasks assigned by the Immediate Superior or Department Head.

JOB SPECIFICATIONS:

• Graduate of any four-year course
• Has good communication skills (written and oral), administrative skills and interpersonal skills
• Must have excellent attention to details
• Has the ability to prioritize tasks, manage multiple assignments and meet deadlines
• Resourceful, organized, proactive and systematic
• Willing to do field work
• No work-related experience required for this position
• Motorized Credit Investigator is an advantage
• Computer-proficient