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Credit investigator skills for your resume and career

Updated January 8, 2025
2 min read
Below we've compiled a list of the most critical credit investigator skills. We ranked the top skills for credit investigators based on the percentage of resumes they appeared on. For example, 14.8% of credit investigator resumes contained financial statements as a skill. Continue reading to find out what skills a credit investigator needs to be successful in the workplace.

15 credit investigator skills for your resume and career

1. Financial Statements

A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.

Here's how credit investigators use financial statements:
  • Interpreted interdependent financial statements, budget proposals, costs of operations, and program accomplishments.
  • Reviewed credit reports and financial statements to determine credit worthiness and provide offers.

2. Loan Applications

A loan application is a form of request presented by a person to a financial institution for the approval of a loan. This application form carries detailed information regarding the petitioner's identification information, financial competence, and sources of income that indicate whether he can return the loan back or not.

Here's how credit investigators use loan applications:
  • Communicated daily with finance managers in Southwest Region regarding loan applications.
  • Informed/advised dealers on what information and documents needed for loan application.

3. Credit Bureau Reports

Here's how credit investigators use credit bureau reports:
  • Entered credit application quickly and accurately into storm system, additionally, pulled credit bureau reports and other duties.
  • Assessed credit bureau reports, verified employment and residency, and obtained credit references when needed.

4. Credit Applications

Here's how credit investigators use credit applications:
  • Processed credit applications and completed an in depth investigation on credit offerings that required further insight and assessment.
  • Obtained and interpreted credit applications and credit bureau information in compliance with policies and procedures.

5. Credit Investigations

Here's how credit investigators use credit investigations:
  • Handle books of accounts Conduct background/credit investigation on commercial loan applicants.
  • Audited data entry, credit investigation and loan processing for accuracy.

6. Credit Worthiness

Here's how credit investigators use credit worthiness:
  • Contacted consumers to verify credit information, collect documentation, and ascertain credit worthiness.
  • Cleared outstanding credit stipulations for auto applications to confirm customer credit worthiness.

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7. Credit Decisions

Here's how credit investigators use credit decisions:
  • Played integral role in exchange of ideas/opinions relevant to formulation of credit decisions.
  • Researched applicant information to ensure appropriate credit decisions.

8. Credit History

Here's how credit investigators use credit history:
  • Reviewed credit history and obtained the information needed to determine the creditworthiness of individuals or businesses applying for credit.
  • Analyzed and investigated customers' employment and credit history, to insure customer ability to purchase/qualified for car loan.

9. Bank Secrecy Act

Here's how credit investigators use bank secrecy act:
  • Ensured adherence to BSA (Bank Secrecy Act).
  • Complied with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act.

10. Credit References

Here's how credit investigators use credit references:
  • Responded to requests for credit references received from industry counterparts.
  • Called and verified customer employment and credit references.

11. Outbound Calls

An outbound call is made by the call center representative to the customers on behalf of the company. Such calls help increase sales and generate revenue for the organization.

Here's how credit investigators use outbound calls:
  • Answer inbound and make outbound calls with clients verifying information on file.
  • Investigated vehicle credit application discrepancies Did inbound/outbound calls with customers Use computer toggling, some instant messaging with Credit Analyst

12. Background Investigations

Here's how credit investigators use background investigations:
  • Conduct comprehensive research and background investigations on individuals, entities as well as organizations.
  • Led all sites in production for background investigations on consumer, business and AML/MSB customers in 2010 and 2011.

13. Anti-Money Laundering

Anti-Money Laundering or, as it is often shortened to, AML is the name of a set of laws, regulations, and similar rules and rulings which are crafted and applied with the goal of preventing people from engaging in and successfully doing money laundering.

Here's how credit investigators use anti-money laundering:
  • Serve as a subject matter expertise related to Anti-Money Laundering (AML) and Know Your Customer (KYC) processes.
  • Experience with BSA/AML/OFAC laws and regulations Patriot Act and Anti-Money Laundering (AML) requirements.

14. Experian

Here's how credit investigators use experian:
  • Updated and corrected information reported to the 3 Major Credit Reporting Bureaus (Equifax, Experian, Transunion).
  • Pull Experian Personal and Business Credit Reports (Check for Bankruptcies, Tax Liens, Judgments and UCC Filings.

15. Comprehensive Research

Here's how credit investigators use comprehensive research:
  • Perform comprehensive research to identify and mitigate associated sanctions, financial crime, and reputational risk on entities requested.
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List of credit investigator skills to add to your resume

The most important skills for a credit investigator resume and required skills for a credit investigator to have include:

  • Financial Statements
  • Loan Applications
  • Credit Bureau Reports
  • Credit Applications
  • Credit Investigations
  • Credit Worthiness
  • Credit Decisions
  • Credit History
  • Bank Secrecy Act
  • Credit References
  • Outbound Calls
  • Background Investigations
  • Anti-Money Laundering
  • Experian
  • Comprehensive Research
  • Computer System
  • AML
  • Financial Data
  • Credit Risk
  • Equifax
  • OFAC
  • Bradstreet
  • Customer Inquiries
  • Customer Accounts
  • Trade References
  • Credit Approval
  • Trans
  • Credit Lines
  • Credit Inquiries
  • Credit Analysis
  • Investigation Reports
  • Loan Packages
  • Bank References
  • DUN
  • Credit Offerings
  • Financial Institutions
  • AS400
  • Payment History
  • Auto Loans
  • Business Establishments
  • Credit Checks

Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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