A Credit Investigator works for the banks and lending institutions and is accountable for conducting credit analysis of clients before the company can extend finance. Work activities typically associated to this role are listed on the Credit Investigator Resume as – reviewing credit applications; investigating credit standings; collaborating with credit rating agencies; running background checks; scrutinizing customer’s accounts; investigating credit standing; collecting relevant information; notifying customers of the approval and rejection of credit; taking responsibility for collecting debts, and improving portfolio quality to prevent loss.
Those seeking to work in this field should be able to embrace the following skills – loan processing and credit investigation skills; strong interpersonal skills; honesty and patience; documentation abilities; decision-making skills, and the ability to be discreet with the client’s private and confidential matters. To become one, a bachelor’s degree in finance or accounting, and a certain level of banking experience is needed.
Objective : To work with a company that allows the opportunity for advancement of skills. Ability to interpret data and contributes significantly to the financial results of the company by supporting the credit card fraud functions.
Skills : Management, MS Office, Investigation.
Description :
Received requests for credit increases by phone and/or mail.
Verified employment and salary for approval for increases and new applications.
Verified phone numbers and addresses by using Haines/Stewart. Retrieved credit bureau reports.
Worked up credit estimator sheet by reading credit reports and applications. Gave authorization to branches for approval on checks. Answered inquiries from customers and other departments.
Took reports of lost/stolen on non-receipt credit cards.
Established new accounts and cross-referenced the old and new account numbers.
Transferred balances, payments, and drafts from old accounts to new.Contacted customers regarding the validity of incoming transactions by phone and/or correspondence.
Reviewed accounts and made a decision whether or not to order new cards.
Experience
2-5 Years
Level
Junior
Education
Business
Credit Investigator Resume
Summary : Dedicated and Credit Investigator profession person, desired to use current skills and learn new skills to provide quality results in the tasks asked to perform.
Skills : Microsoft Office, Education, Personal Chaffing.
Description :
Researched pending orders for potential fraud risk in a time-sensitive manner and in accordance with the company risk tolerance rules.
Worked with a well-known cloud-based fraud and risk rule system plus other tools to perform verification of orders, guarding against identity theft, account takeover, family fraud, delinquency risk, and other identified problems.
Performed thorough research in complex customer fraud account situations, effectively handling all follow-up documentation.
Mastered fraud order detection and the ruleset system, learn chargebacks, or risk monitoring.
Utilized professional customer service and people skills to communicate clearly to customers on order verification, de-escalating as needed to effectively perform problem resolution.
Met department service level objectives regarding work quantity, quality, and timeliness.
Worked with banking institutions to attain comprehensive solutions regarding fraud issues.
Experience
10+ Years
Level
Senior
Education
Business
Credit Investigator Resume
Objective : Over 5 years of experience as a Credit Investigator, Researched high volumes of customer orders for fraud and payment risk, plus investigates credit card charge backs.
Skills : Verification, Management. Organizing.
Description :
Verified customer information on credit applications.
Contacted customer's employment to verify employment and income.
Verified customer college enrollment and graduation.
Spoke with customers to validate consumer statements on credit bureaus.
Prevented fraudulent business practices by pre-screening customers seeking to purchase/lease a vehicle.
Communicated with franchise dealerships via phone/fax.
Reviewed, discussed, and shared knowledge of the current training approach for each department and provide recommendations for enhancing training.
Typed memos and letters. Answered inquiries from customers and other departments.
Experience
2-5 Years
Level
Junior
Education
Business
Credit Investigator Resume
Objective : Credit Investigator with over 5+ years experience, curiosity and tendency to hit the ground running and have led positions of increasing responsibility. Committed to process improvements and flawless implementation at every juncture results in significant savings for company.
Skills : Verification, Management, MS Office.
Description :
Pulled all necessary documents for Credit Analyst to make credit decision.
Maintained strong communication with dealers.
Matched contracts for Credit Buyers as soon as they come in.
Processed imaging one a week. Prepared credit web audit for credit analyst.
Back up other investigators in the event of work overload or absence.
Filed and purged in accordance with retention procedures.
Made sure credit condition and reject letters go out in compliance with procedure.
Assisted the customer service department with the transfer of equity and leases and fleet department with lines of credit.
Experience
0-2 Years
Level
Entry Level
Education
Bachelor's in Business
Credit Investigator Resume
Summary : Over 5 years of experience works as Credit Investigator in an organisation and also
a multitasker who works well under pressure effectively coping with stress to meet all service level goals, and manage multiple, high-priority projects and take pride in providing exemplary customer service.
Skills : Microsoft Office, Management, Investigator.
Description :
Performed comprehensive analysis of financial information and credit history for both individual consumers and businesses applying for loans through Financial Services.
Reviewed information provided by consumers (i.e., employment, income, home address, etc.) and ran social security traces to ensure the validity of data.
Identified and further investigated discrepancies to effectively manage organizational risk and protect against fraud/delinquency, as well as determine potential cases of identity theft.
Prepared reports for Credit Analysts.
Interfaced frequently with creditors and other service organizations to secure additional data pertaining to the credit standing of consumer applicants.
Utilized various applications (Dun & Bradstreet, Experian, Equifax, LexisNexis, and Fast Data) to run credit checks on business applicants and determine loan eligibility.
Traveled to dealerships on a regular basis to perform inventory audits, count cars, and collect payments for sold vehicles.
Maintained a core focus on verifying the accuracy, quality, and completeness of credit applications in strict compliance with Truth-in-Lending and Equal Credit Opportunity requirements, as well as contractual terms and conditions via the Application Process System.
Experience
10+ Years
Level
Senior
Education
Associate in Business
Credit Investigator Resume
Summary : Seeking a competitive and challenging environment Credit Investigator position to serve the organization and establish an enjoyable career.
Set up and maintained accounts by taking initial information, verified credit references, run consumer credit reports, D & B reports, and setting up all Sysco Hampton Roads customers.
Maintained accurate customer files and accounts in the Customer Master File while performing file maintenance changes as needed, i .e.addresses, phone numbers, etc.
Ensured accurate tax audit maintenance.
Filed all Uniform Commercial Codes (UCCs.Security agreements).
Maintained Legal Accounts, by noting Master File of account status change, updates to Attorney, Director of Credit and Sales.
Copied all legal documents necessary for attorney collections.
Updated Bad Debt Account report weekly if needed for credit department, sales, and attorney.
Assisted in answering the Credit Department call group lines and backing up other credit associates as needed.
Experience
7-10 Years
Level
Management
Education
Finance
Credit Investigator Resume
Headline : Certified Credit Investigator profession with over 5 years of experience and knowledge in collecting the documents and provide credit cards after verifying it.
Got credit references from applications, input references & bank information in the computer.
Called or faxed for references in order for customers to open accounts with Hertz.
Input information in computer for Supervisors to be able to base credit to be given.
Set up merge document in order to make file labels for all credit & consumer applications.
Made file labels & file completed applications.
Helped download information into special retention program for supervisor.
Scanned previous files into computer for download.
Experience
5-7 Years
Level
Executive
Education
Diploma in Accounting
Credit Investigator Resume
Summary : Looking forward to work as a Credit Investigator and reflect ethical, reliable, professional and bilingual abilities as an employee and to accomplish goals set from within the company, facilitate the ability to create productive resolution to company needs and assist with creating future goals.
Skills : Credit Investigation, Credit Processing, Administrative Office, Experience Working With General Ledger.
Description :
Monitored and reviewed daily reports to determine high risk, fraudulent, and prohibited merchants in order to prevent losses.
Created spreadsheet to improve, streamline, and monitor process.
Sent notifications for approximately 10 merchants each week.
Submitted Exception Reports for merchants on high-risk reports that want to continue processing with Global Payments; investigate the history and credit standing of the merchants and the owners.
Posted entries to the general ledger, process merchant reserves and Electronic Funds Transfers, and make changes to the general database.
Performed monthly audit of merchants that have changed their bank accounts; request supporting documentation and record results for approximately 50 merchants each month.
Processed annual review letters for third parties; obtain necessary financial information and document results.
Experience
7-10 Years
Level
Consultant
Education
Accounting
Credit Investigator Resume
Objective : To be successful as a Credit Investigator, advances within the management and experienced in retrieving, reviewing the data and provide the security for the documents related.
Helped in various departments such as Decline, Fraud, Collections, and New accounts.
Determined whether or not to give a credit limit or not, and answer questions some order analysts and take escalation calls.
Retrieved and analyzed credit reports from various credit reporting agencies.
Reviewed and entered information from potential applicants.
Built synergy within the department, minimized tensions to establish new working relationships with the adoption of regular dialogue across departments to ensure clarity of roles.
Consistently met and exceeded file approval quotas daily, a standard normally applied to seasoned investigators.
Provided additional assistance to fleet collections to assist with the creation of amortization schedules, provide title copies, and other duties as assigned.
Experience
2-5 Years
Level
Junior
Education
Master's in Accounting
Credit Investigator Resume
Objective : Over 17 years of experience as a Credit Investigator in Banking function, works with highly sensitive material experience and have ability to work well with others with minimal supervision.
Skills : Microsoft Office Suite, customer service, sales, multi-line phone, data entry.
Description :
Reviewed credit applications and conducted background investigation.
Processed credit applications after confirming financial status of applicants.
Verified rates and information provided by customers for credit.
Investigated credit standing and financial history of individuals and business establishments.
Managed personal and business loan applications following banks' policies and procedures.
Collaborated with credit rating agencies to obtain required credit reports and customer information.
Reviewed credit history and obtaining information needed to determine the credit worthiness of individuals and businesses.
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