Credit Investigator

Responsible for the credit investigation and collection in a branch in accordance with the company standards to attain company goals and objectives. Process owner in terms of booking, Collection Efficiency, Remedial Management, Real and Property Owned and Acquired Management.

Duties and Responsibilities:

1. Sales and Marketing

2. Achieves booking target by determining number of loan applications required

3. Visits clients regularly and maintains good relationships with them to encourage repeat business
4. Visits and maintains constant and regular dialogue with dealers and coordinates with agents or business opportunity service specialists
5. Knows and is aware of what competition is doing and reports to branch manager any unsual events which may affect the branch operations

6. Elevates concerns brought to his attention by clients, dealers and agents at once

7. Collection Efficiency

8. Achieves and maintains collection efficiency target following the company credit standard policy and guidelines

9. Receives, evaluates and conducts initial interview of walk-in customers
10. Conducts credit investigation within required proximity and work hours
11. Conducts unit/collateral verifications of approved loan applicants
12. Maintains the up-to-date status of customer's visit card
13. Conducts a pre-collection visit a week before the first due date and regular collection follow-up on delinquent or past due account

14. Remits all collections and unissued official receipts to admin office/branch manager before the end of the day

15. Remedial Management

16. Undertakes and conducts personal visit of delinquent accounts and initiates immediate corrective actions whether for restructuring, moratorium, repossession or legal action

17. Coordinates and discusses with branch manager concerns regarding delinquent accounts

18. Serves demand letters, return check notice to concerned customer and ensures acknowledgement receipt

19. Documentation

20. Prepares daily itinerary performance report

21. Encodes credit report on web application system
22. Prepares credit report and discusses with branch manager
23. Coordinates with loans clerk on mortgage documentations, post dated check and insurance requirements
24. Assists on registration of necessary loan documents

Qualifications:

• At least Bachelor's Degree/2 years Vocational course in any field of study
• Open to fresh graduate
• Can communicate both oral and written
• Knows basic Microsoft applications (Word & Excel)
• With valid driver's license and motorcycle is required
• Willing to do field work/ with motor
• Can Start ASAP
• Willing to be assigned in San Jose Del Monte, Bulacan

Job Types: Full-time, Permanent

Work Location: In person