Main Responsibilities
Make certain that all responsibilities given to the Credit Investigator are consistent with approved policies, procedures, and guidelines.
Duties And Responsibilities
- Ensures adherence to TAT.
- Review the credit profile and related information of the borrowers, and check the authenticity of the submitted documents.
- Conducts telephone verification on borrowers Trade reference, Bank references and Credit Reference
- Conducts an interview with the applicant to determine the risk profile, and if deemed necessary, may do an ocular inspection of the residence/ business location.
- Ensure that all regulatory requirements, credit policies and controls are in place in delivering credit functions.
- Perform a thorough assessment and prepare the necessary Credit Evaluation report for recommendations.
- Conducts property appraisal, asset checking and performs annotation/encumbrances.
- Coordinate with Third Party Service Providers for field verification requests, and ensure that requests are delivered immediately.
- Input/update data and information requirements in ZOHO and other company systems that require information coming from the Credit Evaluator.
- Maintain the correctness of the credit scorecard
- Performs additional tasks as assigned.
Minimum Qualifications
- A Bachelor's degree in finance, accounting, or economics;
- 1–5+ years of experience in credit risk, underwriting, or financial analysis. Key qualifications include proficiency in financial statement analysis (5Cs of Credit),
- Microsoft Excel and strong analytical skills to determine borrower creditworthiness.
- Strong analytical thinking, attention to detail, high integrity, and ability to meet strict deadlines
While not always mandatory, specialized certifications can improve career prospects:
- Chartered Financial Analyst (CFA)
- Certified Credit Professional (CCP)
- Credit Business Associate (CBA)
- Certified Risk Professional (CRP)
