Field Credit Investigation Officer - Makati City

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 road