Credit Investigation Specialist

4 days ago


Quezon City, National Capital Region, Philippines Asialink Finance Corporation Full time

Job Description:

We are seeking a skilled Credit Investigator to join our team.

The Credit Investigator will be responsible for conducting in-depth credit investigations to verify borrower information, employment history, financial status, and credit history.

The ideal candidate will have strong analytical, research, and investigative skills, with the ability to identify fraudulent documents and assess risk effectively.

In addition, the Credit Investigator will prepare comprehensive credit investigation reports (CAM), providing clear and concise recommendations regarding loan applications.

Maintaining a high level of accuracy in credit investigations is crucial, as it minimizes errors and ensures sound lending decisions.

The successful candidate will work independently and meet deadlines under pressure, while adhering to a strict turnaround time (TAT) for processing credit investigations.

We strive to achieve a 1-day TAT from the time an application is received from Sales.

Apart from meeting the volume targets, we also expect the Credit Investigator to continuously improve the Return CAM rate and maintain a low past due vs. release rate.

Key Responsibilities:

  • Gain keen understanding of credit guidelines.
  • Conduct site visits and interviews as needed to validate information.
  • Identify and analyze red flags, inconsistencies, and potential fraud indicators.
  • Prepare comprehensive credit investigation reports (CAM).
  • Ensure zero tolerance for fake borrowers and fraudulent documents.

Required Skills and Qualifications:

  • 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.

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