Field Credit Investigation Officer - Cagayan De Oro

Job Description

Position Summary: A Field Credit Investigation Officer is responsible for conducting in-person investigations and assessments to verify the creditworthiness of loan applicants. This includes validating personal and business information, evaluating the borrower’s capacity and character, and providing risk-based recommendations for credit approval

.
Key Responsibiliti

• es
  Conduct field visits to applicants’ residences, businesses, and referen
• cesInterview applicants and third parties to verify employment, business operations, financial status, and personal charac
• terAssess the five Cs of credit: Character, Capacity, Capital, Conditions, and Collate
• ralPerform ocular inspections of pledged collaterals and validate ownership and marketabil
• ityGather photos, GPS coordinates, and documentation during field investigati
• onsPrepare detailed credit investigation reports with findings and recommendati
• onsCoordinate with the credit underwriting or loan approval team to provide updates and clarificati
• onsMonitor the authenticity of submitted documents and detect signs of fr
• audEnsure compliance with data privacy, ethical investigation standards, and institutional polic

ies
Qualificat

• ions
  Bachelor’s degree in Business Administration, Finance, Economics, Criminology, or related
• fieldAt least 1–2 years of experience in credit investigation, field verification, or loan proce
• ssingStrong analytical and investigative s
• killsExcellent interpersonal and communication s
• killsMust have a valid driver’s license and willingness to travel extens
• ivelyHigh sense of integrity, discretion, and attention to d
• etailAbility to work independently and meet dead
• linesFamiliarity with local geography and communities is a

plus
Preferred

• Skills
  Experience in microfinance, rural banking, or consumer
• lendingProficient in report writing and mobile data collectio
• n toolsKnowledge of fraud detection practices and re
• d flagsMultilingual or local dialect proficiency (depending on lo

cation)
Job Type: F

ull-time
Work Location: On