Credit Investigation

About the role

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 Reports with findings and recommendations for the Sales and Credit Teams.

Key responsibilities

• Conduct credit investigations and evaluate 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 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

About you

• 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

Benefits

• Company Christmas gift
• Company events
• Health insurance
• Life insurance
• Opportunities for promotion
• Paid training
• Promotion to permanent employee
• Staff meals provided