Credit Investigator
The Credit Investigator is responsible for verification, review, analysis and evaluation of all auto loan applications and
recommend a decision to either approve or decline.
What you will be doing:
- Conducts personal interview with the applicant and KYC and make sure each application is not a fraudulent account.
- Conducts business, employment, residence, credit card, bank, SEC/DTI, BAP, court case and trade checking verifications.
- Responsible for verification, review, analysis and evaluation of verified information for all auto loan applications in order to arrive at a decision to approve/decline said applications within the corresponding lending authority.
- Identify and recommend applications for higher lending authority or deviation approval and at the same time identify mitigating factors to minimize risk and maximize profit.
- Coordinate with sales team on the status of auto applications.
- Performs other assigned tasks from time to time
What we are looking for:
- Having a bachelor's degree in any business course
- At least 2 years of related work experience
- Knowledgeable in the policies and all processes of Auto Loans Underwriting
- Proficient in MS Office/Google Suite applications
- Strong analytical, judgment, and decision-making skills
- Able to communicate in a clear and confident manner
Nice to have:
- Having collections background
- Advanced skill level in MS Excel
- knowledgeable in AMLA