Credit Investigator For Cebu

Wisefund Finance Corporation; Cebu City; On-site; PHP 240,000 - 420,000; Full time

Job summary

Wisefund Finance Corporation in Cebu City invites a driven Credit Investigator to join our field team. You will conduct ocular inspections, verify documents, and assess collateral while ensuring accuracy and compliance with company policies.

No prior work experience required; a four-year degree is required; must have a driving license and willingness to travel for field work. Strong communication and attention to detail are essential for success.

Qualifications

• Graduate of any four-year course.
• Excellent communication and interpersonal skills; attention to detail.
• Able to prioritize tasks, manage multiple assignments, and meet deadlines.
• Willing to conduct field work and travel with driving license.
• Computer-proficient.

Responsibilities

• Conduct ocular inspections of residences, workplaces, and assets.
• Prepare Credit Approval Memorandum after credit investigation.
• Validate loan applications and documents through interviews and verifications.
• Review borrower's payment history with other lenders.
• Prepare investigation reports with findings and recommendations.
• Take photos and collect supporting documents during fieldwork.
• Recommend credit decisions (approve/decline/conditional).

Skills

Driving license

Communication skills

Administrative skills

Interpersonal skills

Attention to detail

Time management

Field work readiness

Computer proficiency

Education

Four-year degree

Tools

MS Office

Job description

Job Description:

Duties And Responsibilities

• Conduct ocular inspection to applicants’ residence, workplaces, and business locations.
• Prepares accurate Credit Approval Memorandum (CAM) upon completion of the credit investigation process and reports any discrepancies identified during the review of information in documents against the confirmed details by the borrower and co borrower.
• Validates the information reflected on loan application and authenticity of loan documents through interview with the borrower/co borrower and character references, bank checking, agency/employment verification and credit investigation.
• Verifies borrower's payment history of previous or existing loan/s with other financing institutions.
• Verify personal, employment, and financial information provided in loan applications
• Prepare and submit detailed investigation reports with findings and recommendations
• Take photos and gather supporting documents during fieldwork
• Ensure all investigations comply with company policies and legal standards
• Ocular inspection of assets such as car to verify ownership and assess collateral value (picture & stencil).
• Review and validate submitted documents of applicants.
• Maintain strict confidentiality of applicant's information.
• Recommend appropriate credit decision. (approve, decline or conditional approval).
• Performs other tasks assigned by the Immediate Superior or Department Head.

Job Specifications

• Graduate of any four-year course
• Has good communication skills, administrative skills and interpersonal skills
• Must have excellent attention to details
• Has the ability to prioritize tasks, manage multiple assignments and meet deadlines
• Resourceful, organized, proactive and systematic
• Willing to do field work
• No work-related experience required for this position
• Motorized Credit Investigator with active driving license is a must.
• Computer-proficient

Requirements: