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 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
