Description
Conduct credit investigations on individuals and businesses to assess risk and support credit decisions. Gather, verify, and analyze financial and credit data from internal and external sources, interview applicants, detect fraud, and produce documented findings with recommendations for approval, terms, or denial. Ensure compliance with laws and company policies and communicate outcomes to stakeholders.
- • Compile and analyze credit data from bureaus, banks, trade references, and internal systems.
- • Verify identity, employment, income, and residence using documents and third-party sources.
- • Review public records for bankruptcies, liens, judgments, foreclosures, and tax filings.
- • Interview applicants by phone or in person to obtain and clarify financial information.
- • Evaluate credit reports, payment histories, and ratios to determine creditworthiness.
- • Investigate discrepancies, potential fraud, and identity-theft alerts; escalate as needed.
- • Contact references, landlords, and employers to validate information when permitted.
- • Recommend credit limits, terms, and conditions based on established criteria.
- • Communicate outcomes to underwriters, sales, and customers, and document notifications.
- • Maintain records of inquiries, verifications, and decisions in line with FCRA and company policy.
- • Respond to internal and external requests for credit information when authorized.
- • Process incoming credit applications from multiple channels and ensure completeness.
- • Consult with customers to resolve disputes or verify transactions and account activity.
- • Monitor existing accounts for risk indicators and trigger re-investigations when required.
- • Prepare periodic reports on risk trends, approval rates, and investigative outcomes.
- • Prepare clear investigation summaries with findings and recommendations.
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Financial Services
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Tasks & skills:
O*NET occupational data (work activities, skills, knowledge).
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This site includes information from O*NET by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. Career Clutch has modified some of this information for student readability. USDOL/ETA has not approved, endorsed, or tested these modifications. O*NET® is a trademark of USDOL/ETA.
Last reviewed: Jan 2026
