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