Jr credit investigator/appraiser

JOB QUALIFICATION:

1. Candidate must possess a Bachelor’s Degree in Business Studies/Administration/Management, Commerce, Economics, Finance/Accountancy/Banking or related field. Must possess strong systems skills; solid analytical, negotiating skills and knowledge of commercial credit and collection laws.
2. At least 2 years of work experience in a similar role. Willing to do field work. Must possess a Professional Driver’s license.
3. Proficient in the use of basic applications like MS Word, Excel and Powerpoint, including email access.
4. Excellent customer experience and problem-solving skills.
5. Effective English communication skills, both oral and written. Can speak the local dialect and/or Filipino.
6. Action orientated. Should be able to follow up on feedback to ensure positive outcomes.
7. Knowledge and skill of modern office practices, procedures, equipment and standard clerical techniques.
8. Efficient facilitation skills. Should be able to facilitate group discussions.
9. Ability to meet department metrics, sales targets and production goals.

JOB DESCRIPTION:

1. Evaluates the information indicated in the Application Form and completeness of required documents submitted. Verifies the application if it is in-house, from Accounts Officer (AO) or from Agents or Dealers or Renewal of Account.
2. Conducts thorough investigation and background checking of prospective clients and/or spouse/co-maker to ensure that they have the 5C’s of credit. Visits clients regularly and maintains good relationships with them to encourage repeat business.
3. Monitors competitor’s rates and strategies; Reports to Branch Manager any unsual events which may affect the branch operations.

1. Conducts credit investigation within required proximity and work hours.
2. Conducts unit/collateral verifications of approved loan applicants. Carefully examines the collateral placed upon by clients and reasonably appraises the value of such.
3. Remits all collections and unissued official receipts to admin office/branch manager before the end of the day.
4. Undertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium, repossession or legal action.
5. Serves demand letters, return check notice to concerned customer and ensures acknowledgement receipt.
6. Prepares Credit Investigation Reports, Activity Report and Travel Monitoring Report religiously.