Credit Investigation Officer

Seña Communities Development Inc.; Candelaria; Sur place; PHP 279 000 - 480 000; Plein temps

Résumé du poste

Seña Communities Development Inc. is seeking an experienced Housing Loan Processor to screen buyers, verify documents, and assess financial readiness for housing payments.

The role emphasizes accuracy, data privacy, and adherence to policies while supporting timely approvals and clear communication with applicants. The ideal candidate has a degree in business/real estate and 2–4 years in housing loan processing or credit evaluation, with strong analytical and communication skills to manage

Qualifications

• Bachelor’s degree in Business Administration, Real Estate Management, or any related Business or Management course.
• At least 2–4 years of relevant experience in housing loan processing, financing coordination, real estate financing, or credit evaluation.
• Knowledge of income and document validation, credit and affordability assessment, and risk evaluation.
• Experience or training in customer service and data privacy.
• Training in credit evaluation, fraud awareness, or documentation is an advantage.
• Strong skills in decision‑making, account monitoring, and records management.
• Excellent communication and customer service skills.
• Strong attention to detail, analytical thinking, and time management.

Responsabilités

• Screen buyers based on eligibility, income, documents, and initial requirements.
• Review employment, business, income, and supporting documents for accuracy and completeness.
• Assess buyers’ financial capacity and readiness to meet housing payment obligations.
• Identify and resolve documentary issues and qualification concerns.
• Evaluate risks that may affect approval, payment capacity, financing, or account completion.
• Approve, conditionally approve, or decline applications based on established policies and authority.
• Communicate requirements, conditions, deadlines, and next steps clearly to buyers.
• Monitor completion of requirements before final approval and endorsement.
• Maintain accurate credit records, findings, and supporting documentation.
• Monitor credit trends, recurring deficiencies, turnaround time, and reasons for declined applications.
• Prepare accurate reports and recommendations for management review.
• Ensure compliance with company policies, financing requirements, data privacy, and applicable regulations.

Connaissances

Attention to detail

Analytical thinking

Time management

Communication skills

Customer service

Data privacy

Decision-making

Formation

Bachelor’s degree in Business Administration, Real Estate Management, or related field

Description du poste

Key Roles

• Screen buyers based on eligibility, income, documents, and initial requirements.

• Review employment, business, income, and supporting documents for accuracy and completeness.

• Assess buyers’ financial capacity and readiness to meet housing payment obligations.

• Identify and resolve documentary issues and qualification concerns.

• Evaluate risks that may affect approval, payment capacity, financing, or account completion.

• Approve, conditionally approve, or decline applications based on established policies and authority.

• Communicate requirements, conditions, deadlines, and next steps clearly to buyers.

• Monitor completion of requirements before final approval and endorsement.

• Maintain accurate credit records, findings, and supporting documentation.

• Monitor credit trends, recurring deficiencies, turnaround time, and reasons for declined applications.

• Prepare accurate reports and recommendations for management review.

• Ensure compliance with company policies, financing requirements, data privacy, and applicable regulations.

Qualifications

• Bachelor’s degree in Business Administration, Real Estate Management, or any related Business or Management course.

• At least 2–4 years of relevant experience in housing loan processing, financing coordination, real estate financing, or credit evaluation.

• Knowledge of income and document validation, credit and affordability assessment, and risk evaluation.

• Experience or training in customer service and data privacy.

• Training in credit evaluation, fraud awareness, or documentation is an advantage.

• Strong skills in decision‑making, account monitoring, and records management.

• Excellent communication and customer service skills.

• Strong attention to detail, analytical thinking, and time management.