Credit Investigator Handbook
Material No.
4
Call No.
FA.6.3.2-2016-7
Title
Credit Investigator Handbook
Author
Kristianne Aries P. Mendoza, REA; Kathryn Placida A. Lising; Axil C. Gongob; Timmy Rei A. Allocod
Management Function
Finance and Accounting
Management Sub-function
Evaluation and Planning
Type of Material
Handbook
Industry or Sector
Banking and Finance
Supplements
N/A
Issue Focus
Copyright By
N/A
Copyright Year
N/A
Published By
NATCCO Network
Published in
Quezon City
Year of Setting
2016
Country of Setting
Additional Topics
Credit Investigation Procedure, Policies in Credit Investigation
Source (Course)
N/A
Body Length
43 pages
Annex/es Length
21 pages
Abstract
Credit investigation (CI) is a process which involves the collection and verification of member- borrower's documents on material assets and properties. In the past years, NATCCO witnessed that cooperatives struggled with credit operations due to loan deliquency by members that caused serious repercussions on the coops' overall financial performance. Instead of creating income and allocating budget for business expansion, a huge percentage of the cooperative finances was set aside for debts brought about by loan losses.Through this handbook, NATCCO aims to educate credit investigators on how to effectively screen loan applicants based on personal background and financial income. By explaining general guidelines on credit checking, providing a step-by-step CI process, and suggesting several policies and procedures, the credit investigator is expected to be informed enough in conscientiously weighing the borrower's capacity to pay.
