Field Credit Investigation Officer - Kabangkalan City, Negros Occidental

About this role

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)

- Preferred location is Kabankalan City or near areas.

Job Type: Full-time

Work Location: On the road