Credit Investigator

Jocson College Inc.; Pasig; On-site; PHP 279,000 - 446,400; Full time

Job summary

Jocson College Inc. in Pasig City is hiring a Credit Investigator to assess borrower information, conduct investigations, and identify fraud indicators. The role requires 1+ year in the field or fresh grads with banking/financial services interest, plus motorcycle ownership and a valid license.

The candidate will analyze credit guidelines, prepare investigation reports, and ensure accuracy while meeting tight turnarounds. Strong analytical and independent work skills are essential.

Qualifications

• At least 1 year of working experience in the related field.
• Bachelor's/College degree in Business Studies/Administration/Management required.
• Fresh Grad / Entry Level in Banking/Financial Services or equivalent.
• Skills: Excellent communication and interpersonal skills, motorcycle driving, attention to detail.

Responsibilities

• Gain understanding of credit guidelines.
• Conduct credit investigations verifying borrower info, employment history, financial status, and credit history.
• Identify red flags, inconsistencies, and fraud indicators.
• Maintain zero tolerance for fake borrowers and fraudulent documents.
• Conduct site visits and interviews to validate information.
• Prepare credit investigation reports with clear recommendations on loan applications.
• Maintain high accuracy in investigations and sound lending decisions.
• Meet a 1-day TAT from receipt of application from Sales.
• Manage high volume: minimum 40 accounts per month or 100% of endorsed accounts, whichever is lower.

Skills

Excellent communication

Interpersonal skills

Motorcycle driving

Attention to detail

Analytical thinking

Investigative skills

Fraud detection

Independent work

Time management

Education

Bachelor's degree in Business Studies/Administration/Management

Job description

National Capital Region (NCR), Pasig City

• At least 1 year(s) of working experience in the related field is required for this position.
• Candidate must possess at least a Bachelor\'s/College Degree on Business Studies/Administration/Management.
• Fresh Grad / Entry Level specializing in Banking/Financial Services or equivalent.
• Required skill(s): Excellent communication and interpersonal skills., Knows how to drive a motorcycle, Strong attention to detail and commitment to accuracy..

Responsibilities

Key Responsibilities:

• Gain keen understanding of credit guidelines.
• Conduct in-depth credit investigations to verify borrower information, employment history, financial status, and credit history.
• Identify and analyze red flags, inconsistencies, and potential fraud indicators.
• Ensure zero tolerance for fake borrowers and fraudulent documents.
• Conduct site visits and interviews as needed to validate information.
• Prepare comprehensive credit investigation reports (CAM), providing clear and concise recommendations regarding loan applications.
• Maintain a high level of accuracy in credit investigations, minimizing errors and ensuring sound lending decisions.
• Adhere to a strict turnaround time (TAT) for processing credit investigations, striving to achieve a 1-day TAT from the time an application is received from Sales.
• Effectively manage a high volume of accounts, processing a minimum of 40 accounts per month or 100% of endorsed accounts, whichever is lower.

• With own motorcycle and valid driver\'s license
• Open to fresh graduates
• 6 months to 1 year of experience as a Credit Investigator, preferably in the financial services industry is preferred.
• Strong understanding of credit analysis principles, financial statements, and credit reporting systems.
• Excellent analytical, research, and investigative skills.
• Ability to identify fraudulent documents and assess risk effectively.
• Ability to work independently and meet deadlines under pressure.

Additional Requirements

Additional openings are available in the following branches:

Additional Info

• Location: Pasig City, National Capital Region (NCR).