About this role
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
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Conduct field visits to applicants’ residences, businesses, and references
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Interview applicants and third parties to verify employment, business operations, financial status, and personal character
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Assess the five Cs of credit: Character, Capacity, Capital, Conditions, and Collateral
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Perform ocular inspections of pledged collaterals and validate ownership and marketability
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Gather photos, GPS coordinates, and documentation during field investigations
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Prepare detailed credit investigation reports with findings and recommendations
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Coordinate with the credit underwriting or loan approval team to provide updates and clarifications
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Monitor the authenticity of submitted documents and detect signs of fraud
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Ensure compliance with data privacy, ethical investigation standards, and institutional policies
Qualifications
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Bachelor’s degree in business administration, Finance, Economics, Criminology, or related field
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At least 1–2 years of experience in credit investigation, field verification, or loan processing
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Strong analytical and investigative skills
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Excellent interpersonal and communication skills
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Must have a valid driver’s license and willingness to travel extensively
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High sense of integrity, discretion, and attention to detail
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Ability to work independently and meet deadlines
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Familiarity with local geography and communities is a plus
Preferred Skills:
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Experience in microfinance, rural banking, or consumer lending
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Proficient in report writing and mobile data collection tools
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Knowledge of fraud detection practices and red flags
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Multilingual or local dialect proficiency (depending on location)
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Job Type: Full-time
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Work Location: On the field