Credit Investigator

Cepat Kredit Financing Inc.; Tangob; On-site; PHP 300,000 - 600,000; Full time

Job summary

Cepat Kredit Financing Inc. seeks a Credit Investigator to evaluate loan applicants by reviewing income statements, credit histories, and other financial data. You will produce detailed reports and collaborate with underwriting and risk teams to guide credit decisions.

The role emphasizes integrity, attention to detail, and knowledge of credit reporting tools, with opportunities to support policy improvements and fraud prevention initiatives.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field.
• Certifications in credit analysis or fraud detection are a plus.
• 2–3 years of experience in credit investigation or credit analysis.
• Experience in fraud detection or risk management is an advantage.
• Proficient in credit reporting tools and financial software.

Responsibilities

• Credit Analysis and Risk Assessment: evaluate loan applicants' creditworthiness.
• Credit Report and Document Verification: verify income statements and financial records.
• Fraud Detection and Prevention: identify indicators of fraudulent activity.
• Collaboration with Internal Teams: share findings with underwriting and risk teams.
• Compliance and Regulatory Adherence: ensure compliance with laws and policies.
• Reporting and Documentation: prepare detailed investigative reports and maintain records.
• Customer Communication and Interviews: interview applicants to clarify discrepancies.
• Debt Recovery Support: assist collections with borrower information.
• Other duties as assigned to support the investigation process.

Skills

Analytical skills

Attention to detail

Communication skills

Financial analysis

Fraud detection

Credit reporting tools

Credit scoring models

Microsoft Office

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Business Administration

Bachelor's degree in Economics

Tools

Credit report systems

Financial management software

Microsoft Office Suite

Job description

Job Objective: The Credit Investigator is responsible for evaluating the creditworthiness of potential borrowers by conducting thorough investigations and assessments of their financial history, credit reports, and other relevant factors. This role ensures that the company extends credit to individuals or businesses who are likely to meet their financial obligations, while minimizing risk to the organization. The Credit Investigator collaborates with various departments to ensure the accuracy of information, identify red flags, and provide actionable recommendations based on findings.

Key Responsibilities:

1. Credit Analysis and Risk Assessment:

• Investigate and evaluate the creditworthiness of loan applicants by reviewing financial documents, credit histories, and other relevant data.

• Assess the applicant's ability to repay loans based on financial analysis, credit reports, and additional sources of information.

• Identify potential risks, such as inconsistencies in financial data, fraud indicators, or signs of financial distress, and document them appropriately.

• Provide detailed and accurate credit reports and recommendations to management for approval or denial of credit.

1. Credit Report and Document Verification:

• Verify the accuracy of information provided by loan applicants, including income statements, employment records, and personal or business financial statements.

• Cross-check credit reports with other sources of information to ensure the completeness and accuracy of credit profiles.

• Investigate any discrepancies, including unpaid debts, past bankruptcies, or accounts in arrears, and report findings to the relevant department.

1. Fraud Detection and Prevention:

• Look for signs of potential fraud, such as inconsistencies in documents, suspicious activities, or unusual patterns in financial records.

• Collaborate with the fraud prevention team or legal department when red flags or fraud-related activities are identified.

• Maintain awareness of emerging fraud trends and adjust investigative methods as necessary to detect new tactics.

1. Collaboration with Internal Teams:

• Work closely with the underwriting and loan processing teams to provide critical information for loan approval or rejection.

• Share insights with the risk management team to help refine the company's credit policies and procedures.

• Assist in the development of credit policies by identifying patterns and trends in borrower behavior and providing recommendations for improvements.

1. Compliance and Regulatory Adherence:

• Ensure that all credit investigations and assessments are in compliance with applicable laws, regulations, and company policies.

• Stay informed of changes in industry regulations and compliance standards related to credit investigations and reporting.

• Maintain confidentiality and security of all personal, financial, and credit data in accordance with privacy laws and internal policies.

1. Reporting and Documentation:

• Prepare detailed investigative reports outlining findings, including financial status, credit history, and risk assessments.

• Maintain accurate and organized records of all investigations, ensuring that they are easily accessible for review or audit.

• Provide regular updates and reports to management on the status of investigations and the overall credit risk profile of applicants.

1. Customer Communication and Interviews:

• Conduct interviews with loan applicants, if necessary, to gather additional information or clarify discrepancies in the application.

• Explain the credit investigation process to applicants and address any questions or concerns they may have regarding their credit report or application status.

• Provide guidance to applicants on how to improve their creditworthiness or financial situation, when applicable.

1. Debt Recovery Support:

• Work with collections teams to gather necessary information on defaulting borrowers and assist with the recovery process.

• Assist in identifying patterns or behaviors that lead to loan defaults and provide recommendations for tightening lending standards or improving risk management strategies.

1. Additional Responsibilities:

• Other duties as assigned to support the credit investigation process, such as assisting with internal audits, improving investigation procedures, or providing general support to the finance team.

Key Requirements:

• Educational Requirement: Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field. Certifications in credit analysis or fraud detection are a plus.

• Experience: At least 2-3 years of experience in credit investigation, credit analysis, or a related field, with experience in fraud detection or risk management being an advantage.

• Skills:

• Strong analytical skills to assess creditworthiness and identify risks.

• Excellent attention to detail and ability to identify discrepancies or suspicious activities in financial documents.

• Strong knowledge of credit reporting tools, financial analysis techniques, and fraud detection methods.

• Ability to communicate effectively, both in writing and verbally, to explain credit investigation findings to management or customers.

• Familiarity with credit scoring models and financial software tools.

• Technical Skills:

• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).

• Experience with credit investigation software or databases (e.g., credit report systems, financial management software).

• Familiarity with regulatory frameworks such as the Fair Credit Reporting Act (FCRA) and other relevant laws.

Job Competencies:

• High level of integrity and professionalism in handling sensitive financial data.

• Strong problem-solving abilities to identify and address potential risks or fraud.

• Ability to work independently and manage multiple investigations simultaneously.

• Strong organizational skills to keep track of numerous investigations and report findings efficiently.

Working Conditions:

• Full-time position, typically in an office environment with regular office hours.

• Occasional overtime may be required, especially during peak periods such as end-of-month reporting or special projects.

• Minimal travel is required, although occasional visits to clients or external agencies for investigations may be needed.