Field Credit Investigation Officer

Job description:

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 investigat...