Key Responsibilities:
Gain keen understanding of credit guidelines.
Conduct in-depth credit investigations to verify borrower information, employment history, financial status, and credit history.
Identify and analyze red flags, inconsistencies, and potential fraud indicators.
Ensure zero tolerance for fake borrowers and fraudulent documents.
Conduct site visits and interviews as needed to validate information.
Prepare comprehensive credit investigation reports (CAM), providing clear and concise recommendations regarding loan applications.
Maintain a high level of accuracy in credit investigations, minimizing errors and ensuring sound lending decisions.
Adhere to a strict turnaround time (TAT) for processing credit investigations, striving to achieve a 1-day TAT from the time an application is received from Sales.
Effectively manage a high volume of accounts, processing a minimum of 40 accounts per month or 100% of endorsed accounts, whichever is lower.
Continuously strive to improve the Return CAM (Credit Approval Memorandum) rate, reducing it from 30% to 10%.
Maintain a low past due vs. release rate (below 2%) for all investigated and approved loans.