Credit investigator
Cebu
Job Description
Posted on 3 September 2025
Key Responsibilities: Gain keen understanding of credit guidelines.
Conduct in-depth credit investigations to verify borrower information, employment history, financial status, and credit history.Identify and analyze red flags, inconsistencies, and potential fraud indicators.
Ensure zero tolerance for fake borrowers and fraudulent documents.
Conduct site visits and interviews as needed to validate information.
Prepare comprehensive credit investigation reports (CAM), providing clear and concise recommendations regarding loan applications.
Maintain a high level of accuracy in credit investigations, minimizing errors and ensuring sound lending decisions.
Adhere to a strict turnaround time (TAT) for processing credit investigations, striving to achieve a 1-day TAT from the time an application is received from Sales.
Effectively manage a high volume of accounts, processing a minimum of 40 accounts per month or 100% of endorsed accounts, whichever is lower.
Continuously strive to improve the Return CAM (Credit Approval Memorandum) rate, reducing it from 30% to 10%.
Maintain a low past due vs. release rate (below 2%) for all investigated and approved loans.
Qualifications/Requirements
Key Requirements: At least High School Graduate (Old Curriculum), K-12 Graduate, open to fresh graduates.
6 months to 1 year of experience as a Credit Investigator, preferably in the financial services industry is preferred.Strong understanding of credit analysis principles, financial statements, and credit reporting systems.
Excellent analytical, research, and investigative skills.
Ability to identify fraudulent documents and assess risk effectively.
Strong attention to detail and commitment to accuracy.
Excellent communication and interpersonal skills.
Ability to work independently and meet deadlines under pressure.
Work location
CEBU CITY (CAPITAL), CEBU
Remarks
No additional remarks
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