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Credit Investigator

Date:  May 23, 2021
Posting Closure Date:  Jul 31, 2021
Category:  Support Function

Baghdad, Baghdad, Iraq

Job Role

Responsible for performing credit analysis of clients to assess their financial and legal status as well as their ability to make complete and regular repayment of loans before extending finance to them. 
Performing credit checks on each applicant to determine the customer’s creditworthiness, as well as mitigating the risk that the organization will undertake by granting the credit. The role also entails reviewing credit applications, undertaking background checks, performing direct analysis, and due diligence. 
The selected candidate must possess efficient data processing skills, excellent customer service and relevant experience in conducting background investigation to reasonably ascertain the financial & Legal status of credit applicants.
Credit investigator will perform various functions with the objective of preventing bad debts and mitigating risks

Job Responsibilities

  • Collects relevant information through reliable sources to determine the credit worthiness of applicants
  • Investigates credit standing and financial history, if any, of individuals and businesses applying for credit
  • Responsible for collecting debts from defaulters with penalty charges
  • Responsible for the verification of information provided by customers for credit
  • Stays abreast of legal and regulatory changes
  • Undertakes personal visits to confirm residential and business addresses
  • Notifies customers of the approval and rejection of credit, either via emails or phone calls or both


Bachelor Degree in law

Required Qualifications & Skills

Knowledge: Experience in conducting investigations, undertaking records review, audits, or related work in the lending or financial industry
Communications skills: Ability to communicate effectively both orally and in writing and must be able to communicate with diverse groups and populations.
Computer skills: Proficiency in the use of Microsoft Office tools and spread sheet software
Ability to effectively prioritize tasks and manage multiple assignments
Time management skills: Meeting deadlines and manage relationship manager and client expectations
Interpersonal skills: Job requires to work collaboratively with external agencies, if any , to derive relevant information on clients; hence it is important to have strong interpersonal skills for relationship building and establishing rapport.
Confidentiality:  Must be discreet with clients’ private credit information

Job Segment: Credit, Investigation, Law, Relationship Manager, Credit Analyst, Legal, Finance, Customer Service

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