CREDIT INVESTIGATOR VERIFICATION REPORT (CIVR)

Name:
Current Address:
Permanent Address:
CP No.: Tel. No.: Email add:

HOUSE VERIFICATION
Does the applicant live in given address? ( ) Yes ( ) No
( ) Not known in the given address. Stop verification
If NO, why?
1. ( ) Known but has the wrong address. Correct address should
be: ____________________________________________________
( ) Known but no longer residing in the given address for the
last ________months
How long does the applicant reside in the given ( ) < 1 year ( ) 1-2 years ( ) > 5 years
2.
address? ( ) 2-3 years ( ) 3-5 years
Does the applicant own the house where he or she
( ) Yes ( ) No
lives?
( ) Rented
( ) Living with Parents
3.
( ) Living with Relatives
If NO,
( ) Rent-to-Own
( ) Stay-In
( ) Mortgaged
4. Name of Spouse:
5. Work of Spouse: Net Income:
Name of Children Age

6.

Name of Source: Relationship to the applicant:

Note: Take picture with the Source as well as the House, assets, environment of the Applicant. Kindly send also your location via
geo-tagging.

BARANGAY VERIFICATION
Does the applicant live in the community? ( ) Yes ( ) No
1. If NO, CI must show the picture of the applicant to the interviewee. If the latter still does not recognize the applicant, CI must stop
conducting verification. However, if the interviewee recognized the picture, get the name of the applicant that s/he knows.
2. How long does the applicant reside in the ( ) < 1 year ( ) 1-2 years ( ) > 5 years
community? ( ) 2-3 years ( ) 3-5 years
3. Has the applicant been involved in any complaints? ( ) Yes ( ) No
Name of Source:
Note: Take picture with the Source with the Barangay Hall/Office as background. Kindly send also your location via geo-
tagging.

SOURCE OF INCOME VERIFICATION

If EMPLOYEE:
Does the applicant work in the declared company? ( ) Yes ( ) No
1. If NO, CI must show the picture of the applicant to the interviewee. If the latter still does not recognize the applicant, CI must stop
conducting verification. However, if the interviewee recognized the picture, get the name of the applicant that s/he knows.
( ) < 1 year ( ) 1-2 years ( ) > 5 years
2. How long does the applicant work in the company?
( ) 2-3 years ( ) 3-5 years
3. What is the Position of the applicant in the company?
4. What is the Net Income of the applicant?
( ) Regular ( ) Contractual ( ) Casual
5. What is the Employment Status of the applicant? ( ) Piecemeal ( ) Probationary ( ) Job Order
( ) Project Based
Will the client stay in the company for the next 3
6. ( ) Yes ( ) No
years?
If SELF-EMPLOYED/BUSINESS:
1. What type of business does the applicant operates?
( ) < 1 year ( ) 1-2 years ( ) > 5 years
2. How long does the business been operating?
( ) 2-3 years ( ) 3-5 years
3. How much is the monthly Net Income?
 If REMITTANCE/PENSION:
How much is the monthly remittance/pension of the
applicant?
1.
Note: No need to proceed to questions 2 and 3 if source of income is PENSION only.
Who is the sender of the remittance?
What is the relationship of the sender to the
2.
applicant?
3. Where is the location of the Sender?
Name of Source: Relationship to the applicant:
Note: Take picture with the Source as well as the Proof of Income such as remittance slips, SOA, payslips, COE, etc. Kindly send
also your location via geo-tagging.

HOUSEHOLD EXPENSES VERIFICATION

SEMI-
DAILY WEEKLY MONTHLY TOTAL
MONTHLY
Food *
Utilities *
Transportation *
Housing/Rent
Loan Payments
Other’s * (Medical, Groceries, Educational
Exp., Miscellaneous and Communication
Total House Expenses

CI ASSESSMENT
Does the spouse or parents of the applicant, whichever
1. is applicable, agree to avail the latter of a motorcycle ( ) Yes ( ) No
unit?
( ) Can be reached immediately
( ) Need to cross river/s
( ) Prone to flood
( ) NPA infested
( ) Squatters Area
2. How is the environment of the applicant?
( ) For demolition
( ) Banned Area
( ) Authorization from the applicant is needed
( ) Forest Region/Area
( ) More than 30kms away from the Servicing Branch
Is there safety parking for the motorcycle unit? ( ) Yes ( ) No
3.
If NO, is the address prone to carnapping? ( ) Yes ( ) No
Does the applicant have bad credit standing/payment
4. ( ) Yes ( ) No
history to other lenders?
Who will use the motorcycle unit?
5. If user is not the applicant, what is the relationship of
the applicant to the user?
EXECUTIVE SUMMARY REPORT
Result
IDENTITY & CHARACTER (Positive or Remarks (indicate reason if Negative)
Negative)
House Validation
Barangay Validation
CAPACITY Result Remarks
Business or Work Validation
Validated Income from Business or
Salary (Secure Paylip if available)
PERSONAL INFORMATION Result Remarks
Status (Married/Single)
If Stay-In, for how long?
Residence (Owned/Rented/Stay-In)
If Rented, for how much?
No. of Dependents

The undersigned Credit Investigator hereby warrant that all information above are duly verified to be correct and accurate. Further, the
undersigned Credit Investigator (CI) is aware that he/she shall be held criminally liable to the Bank for any erroneous information or undisclosed
information about the borrower because the decision of the different loan committees of the bank is on the basis of the foregoing information.

______________________________________________________
Printed Name & Signature of Credit Investigator
Date: _________________ Time: ___________
 VICINITY MAP OF BORROWER
(Please disregard this if validation is done using MCLOS CI_app)
VICINITY MAP OF BORROWER’S RESIDENCE
(This must be filled up properly and shall indicate the distance (in km) from/to reference points)

VICINITY MAP OF BORROWER’S WORKPLACE

(This must be filled up properly and shall indicate the distance (in km) from/to reference points)

Name of Client : __________________________________ ___________________________________________

Home Address : __________________________________ Signature over printed name of CI
__________________________________ Date :________________
Work Address : __________________________________
__________________________________