About The Role

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