About the role
Conduct pre-loan and post-loan field investigations of applicants. Verify customer residence, business premises, employment details, and references. Assess applicant credibility, repayment capacity, and overall risk profile. Investigate discrepancies identified during credit appraisal. Identify and report cases of fraud, misrepresentation, or suspicious transactions. Prepare detailed field investigation reports with observations and recommendations. Coordinate with Credit, Sales, Operations, and Collections teams. Monitor portfolio health and provide early warning signals for delinquent accounts. Ensure compliance with company policies, regulatory guidelines, and audit requirements. Maintain accurate records of verification activities and risk observations. Support branch teams during special risk reviews and audits