Field Credit Investigation Officer - Laguna

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 Responsibilities:

Conduct field visits to applicants’ residences, businesses, and references

Interview applicants and third parties to verify employment, business operations, financial status, and personal character

Assess the five Cs of credit: Character, Capacity, Capital, Conditions, and Collateral

Perform ocular inspections of pledged collaterals and validate ownership and marketability

Gather photos, GPS coordinates, and documentation during field investigations

Prepare detailed credit investigation reports with findings and recommendations

Coordinate with the credit underwriting or loan approval team to provide updates and clarifications

Monitor the authenticity of submitted documents and detect signs of fraud

Ensure compliance with data privacy, ethical investigation standards, and institutional policies

Qualifications:

Bachelor’s degree in Business Administration, Finance, Economics, Criminology, or related field

At least 1–2 years of experience in credit investigation, field verification, or loan processing

Strong analytical and investigative skills

Excellent interpersonal and communication skills

Must have a valid driver’s license and willingness to travel extensively

High sense of integrity, discretion, and attention to detail

Ability to work independently and meet deadlines

Familiarity with local geography and communities is a plus

Preferred Skills:

Experience in microfinance, rural banking, or consumer lending

Proficient in report writing and mobile data collection tools

Knowledge of fraud detection practices and red flags

Multilingual or local dialect proficiency (depending on location)

Job Type: Full-time

Work Location: On the road