Branch Field Investigation Officer

Job Description

Conduct on-site visits to the residential and business addresses of loan applicants to verify the personal and financial information provided in loan applications.

Prepare detailed field investigation reports documenting findings, observations, and recommendations based on interviews, site visits, and document verification.

Ensure the accuracy, completeness, and timely submission of reports in accordance with established reporting standards and guidelines.

Coordinate with internal departments, including credit, underwriting, and collections teams, to share investigation findings and support decision-making processes.

Ensure compliance with company policies, procedures, and regulatory requirements related to field investigations and credit underwriting processes.

Adhere to ethical standards, confidentiality requirements, and privacy regulations when handling sensitive information and conducting investigations.

Stay updated on industry trends, best practices, and technological advancements related to field investigation techniques and tools.

Participate in training programs, workshops, and skill development activities to enhance investigative skills, fraud detection knowledge, and risk mitigation strategies.

Build and maintain relationships with local leaders and community groups in targeted areas.

Assist the reporting officer in compiling monthly reports.

Support routine and special data collection activities from field sites.

Take photographs of clients’ residences or workplaces, collect feedback surveys and testimonials, and submit them to the relevant departmental heads.

Collect accurate GPS data to verify the physical address of clients.

Coordinate with the control room operator regarding GPS alerts and take immediate action based on the seriousness of the situation.

Meet and confirm client details with local leaders (e.g., park chairman) and neighbors.

Interview clients to obtain the necessary information for loan applications.

Ensure proper KYC (Know Your Customer) procedures are followed and documented.

Advise customers on available payment options and recommend suitable methods of payment.

Respond promptly to customer queries and concerns.

Maintain a Portfolio at Risk (PAR) level of less than 5%.

Prepare weekly, bi-monthly, and monthly reports.

Provide support for repossession and legal actions by coordinating and offering field support in cases of default or accounts requiring special attention.

Proactively promote and sell MO Finance products to new and prospective customers.

Obtain and verify all relevant documents for MO Finance products sold, such as identity documents, area leader letters, and business registration documents (for business clients).

Ensure timely processing of all customer transactions initiated, with particular emphasis on loan issuance.

Skills Required

Spreadsheets (e.g. Excel, Google Sheets, etc)
Word Processing and Desktop Publishing Tools (MS Office, Google Docs, etc)
Presentation Tools (e.g. Google Slides, Power Point, etc)