Credit Investigator

Cepat Kredit Financing Inc.; Metro Manila; On-site; PHP 335,000 - 558,000; Full time

Job summary

Cepat Kredit Financing Inc. in Metro Manila seeks a Credit Investigator to verify applicant information and perform background, employment, residence, business, and reference checks for accurate credit decisions.

You will identify discrepancies and risks, prepare clear investigation reports, and ensure compliance with company policies and data privacy standards while coordinating with applicants and internal teams.

Qualifications

• Bachelor's degree in related field required.
• Experience in credit investigation or related fields is an advantage.
• Strong analytical, interviewing, and report-writing skills.
• Detail-oriented with high integrity and confidentiality.
• Ability to manage multiple accounts and meet turnaround times.
• Willing to be assigned to the sister company.

Responsibilities

• Conduct credit investigation and verification of applicant information, including employment, income, residence, business, and personal references.
• Validate the accuracy and consistency of information and supporting documents submitted by applicants.
• Identify discrepancies, suspicious information, fraud indicators, and other potential credit risks, and escalate significant findings when necessary.
• Prepare accurate and timely Credit Investigation Reports with complete findings and relevant observations.
• Complete assigned investigations within prescribed turnaround time and follow up on pending verification requirements.
• Coordinate professionally with applicants, employers, references, branches, and concerned internal departments.
• Maintain confidentiality of applicant information and comply with company policies, credit procedures, and Data Privacy requirements.
• Update investigation records, statuses, and findings in the designated system or tracker.
• Participate in training, calibration, and process improvement activities related to credit investigation and fraud prevention.

Skills

Analytical skills

Interviewing skills

Verification skills

Report writing

Education

Bachelor's degree in Business/Finance/Accounting/Criminology/Psychology

Job description

About the role

The Credit Investigator is responsible for verifying applicant information and conducting background, employment, residence, business, and reference checks to support accurate credit decisions. The role identifies discrepancies and potential risks, prepares clear investigation reports, and ensures all verification activities comply with company policies, confidentiality, and data privacy standards.

Key responsibilities

• Conduct credit investigation and verification of applicant information, including employment, income, residence, business, and personal references.

• Validate the accuracy and consistency of information and supporting documents submitted by applicants.

• Identify discrepancies, suspicious information, fraud indicators, and other potential credit risks, and escalates significant findings when necessary.

• Prepare accurate and timely Credit Investigation Reports with complete findings and relevant observations.

• Complete assigned investigations within prescribed turnaround time and follow up on pending verification requirements.

• Coordinate professionally with applicants, employers, references, branches, and concerned internal departments.

• Maintain confidentiality of applicant information and comply with company policies, credit procedures, and Data Privacy requirements.

• Update investigation records, statuses, and findings in the designated system or tracker.

• Participate in training, calibration, and process improvement activities related to credit investigation and fraud prevention.

About you

• Bachelor's degree in Business Administration, Finance, Accounting, Criminology, Psychology, or any related field.

• Experience in credit investigation, credit review, loan processing, background verification, or financial services is an advantage.

• Strong analytical, interviewing, verification, and report-writing skills.

• Detail-oriented with good judgment and high level of integrity and confidentiality.

• Able to manage multiple accounts and meet required turnaround times.

• Willing to be assigned to the Company's sister company.