Credit Investigator

JOB DESCRIPTION – CREDIT INVESTIGATOR (CI)

Key Responsibilities

Credit Investigation

· Conduct credit investigations and evaluate the creditworthiness of loan applicants through verification of income, employment, residence, business operations, assets, liabilities, and repayment capacity.

· Perform field verification, background checking, and character investigation through interviews with applicants, employers, neighbors, business references, and other relevant sources.

· Validate information using available public records, online resources, and other authorized verification channels.

· Prepare accurate, complete, and objective Credit Investigation (CI) Reports with findings and recommendations for the Sales and Credit Teams.

· Maintain close coordination with the Sales Team regarding pending and completed credit investigations.

· Coordinate with the Credit and Legal Teams on accounts requiring additional verification or resolution.

· Ensure all investigations are conducted in compliance with company policies, regulatory requirements, and data privacy laws.

Qualifications

· At least College level

· At least 1 year of relevant experience in Credit Investigation or related financial services.

· Experience in a financing, banking, lending, or microfinance company is an advantage.

· Strong analytical, investigative, and problem-solving skills.

· Excellent interpersonal, negotiation, and communication skills.

· High level of honesty, integrity, professionalism, and customer service orientation.

· Ability to prepare accurate reports and maintain complete documentation.

· Ability to use Microsoft Office applications (Excel, Word, Outlook) and other business systems.

· Willing to perform extensive fieldwork and travel within assigned areas.

· Must know how to drive both manual and automatic motorcycles.

· Must possess a valid Professional Driver's License (Restriction Codes/Driver's License Codes applicable for motorcycles).

· Familiarity with local areas and routes is an advantage with Metro Manila and nearby locations