Field Credit Investigation Officer - Mandaluyong/Taguig

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 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 Preferred Skills: - Experience in microfinance, rural banking, or consumer lending - Proficient in report writing and mobile data collection tools - Knowledge of fraud detection practices and red flags - Multilingual or local dialect proficiency (depending on location) Job Type: Full-time Work Location: On the field