Credit Investigator

Santaisabel; Pasig; On-site; PHP 279,000 - 390,600; Full time

Job summary

A financial services company in Metro Manila is seeking a Credit Investigator to conduct in-depth credit investigations. This role requires excellent communication skills and a strong attention to detail, as well as ownership of a motorcycle and a valid driver's license. Ideal candidates may include fresh graduates or those with up to a year of experience in credit investigation, all while adhering to strict deadlines and maintaining high accuracy in their work. Competitive environment awaits.

Qualifications

• At least 1 year of working experience in the related field required.
• Fresh graduates in Banking/Financial Services or equivalent are welcome.
• 6 months to 1 year of experience as a Credit Investigator preferred.

Responsibilities

• Conduct credit investigations to verify borrower information.
• Identify and analyze red flags and potential fraud indicators.
• Prepare comprehensive credit investigation reports.

Skills

Excellent communication and interpersonal skills

Ability to identify fraudulent documents

Strong attention to detail

Research and investigative skills

Education

Bachelor's/College Degree on 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.

Key Requirements:

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).