Credit Investigator

2-5 Years

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Early Applicant

Job Description

Key Responsibilities

Conduct thorough credit investigations on loan applicants, including verification of personal, financial, employment, and business information.
Analyze credit data such as financial statements, bank records, credit bureau reports, and payment histories to assess creditworthiness.
Perform field investigations and background checks when required, including residence and business verification.
Identify, document, and escalate high-risk or potentially fraudulent cases in accordance with company policies.
Ensure strict compliance with internal credit policies, procedures, and applicable regulatory requirements.
Maintain accurate records and documentation for audit and compliance purposes.

Qualifications

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
Minimum of 25 years of experience in credit investigation, credit analysis, banking, lending, or risk management.
Strong knowledge of credit evaluation, financial analysis, and risk assessment
Proficiency in Microsoft Office (Excel, Word)
Ability to analyze credit reports, bank statements, and financial records
Strong analytical and critical thinking skills
High attention to detail and accuracy
Excellent communication and interviewing skills
High level of integrity and confidentiality
Fluency in Visayan (Cebuano/Bisaya) and English, both written and verbal
Willingness to travel within assigned areas
Flexible schedule to meet investigation deadlines
Valid driver's license (preferred for fieldwork)