Credit Investigation Staff

UCPB-CIIF FINANCE AND DEVELOPMENT CORPORATION; Philippines; On-site; PHP 300,000 - 420,000; Full time

Job summary

UCPB-CIIF Finance and Development Corporation is seeking a Credit Investigation Staff to conduct comprehensive credit investigations, validate borrower information, and prepare objective CIRs to support lending decisions.

Responsibilities include due diligence, field and desk investigations, reporting findings, and coordinating with departments for collateral verification while ensuring compliance with policies and regulatory requirements.

Qualifications

• Minimum 2 years of experience in credit investigation or related banking roles.
• Willing to conduct field investigations and travel as needed.
• Strong analytical, investigative, and report-writing abilities.

Responsibilities

• Validate information and documents related to borrowers' identification and financial capacity.
• Perform due diligence by checking public records, legal cases, and credit references.
• Immediately report fraudulent documents or suspicious activity found during investigations.
• Assess collateral adequacy and coordinate property verification and appraisal.
• Provide an objective Credit Investigation Report with findings and recommendations.

Skills

Credit investigation

Field investigations

Report writing

Travel readiness

Education

Bachelor's Degree in Business Administration, Finance, Banking, Accountancy, Economics, Legal Management, Criminology, or related field

Job description

About the role

The Credit Investigation Staff is responsible for conducting comprehensive credit investigations and background checks on prospective and existing borrowers to assess their creditworthiness, financial capacity, character, and repayment ability. The position gathers and validates information from various sources, performs field and desk investigations, and submits objective credit investigation reports to support sound lending decisions while ensuring compliance with company policies and regulatory requirements.

Key responsibilities

• Validates the accuracy and completeness of gathered information and documents pertaining to the Borrower and Guarantors' identification and financial capacity.

• Performs due diligence by checking available public records, legal cases, credit references, and other relevant information.

• Immediately reports any fraudulent documents, misrepresentations, adverse findings, or suspicious activities discovered during the investigation process.

• Assess the adequacy and acceptability of collateral based on available information, and coordinates with the appropriate departments for property verification and appraisal.

• Provides an objective and timely Credit Investigation Report (CIR) highlighting the findings, risks, strengths and recommendations for Management's consideration.

About you

• With 2 years experience in credit investigation, loan processing, banking, financing, credit analysis, or related work

• Willing to conduct field investigations and travel, as necessary

• Strong analytical, investigative and report-writing skills

• Bachelor's Degree in Business Administration, Finance, Banking, Accountancy, Economics, Legal Management, Criminology, or any related field