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Gold Appraiser - Gold Loan
General
💰 Salary Not shared
📊 Market NA
About the Company
Group Company: AU Small Finance Bank Limited Designation: Gold Appraiser - Gold Loan Office Location: Position description: Position description Primary Responsibilities: Primary Responsibilities Additional Responsibilities: Additional Responsibilities Reporting Team Reporting Designation: Reporting Designation Reporting Department: Reporting Department Educational Qualifications Preferred Education and Experience Category: Category Field specialization: Field specialization Degree: Degree Academic score: Academic score Institution tier: Institution tier Required Certification/s: Required Certification/s Required Training/s: Required Training/s Required Work Experience Industry: Industry Role: Role Years of experience: Years of experience Job Brief:- AU Small Finance Bank Limited is seeking a meticulous and experienced professional to join our Operations and Services team, specializing in the evaluation and appraisal of gold assets for loan processing. The role demands a thorough understanding of gold valuation techniques, market trends, and regulatory compliance to ensure accurate assessment and risk mitigation. The ideal candidate will play a critical role in supporting the bank's gold loan portfolio by providing precise appraisals that align with the bank's lending policies and contribute to customer satisfaction and operational efficiency.
Responsibilities
- ● Conduct detailed physical inspection and verification of gold ornaments and items submitted as collateral for loan processing.
- ● Accurately assess the purity, weight, and market value of gold items using standardized testing methods and equipment.
- ● Ensure compliance with regulatory guidelines and internal policies related to gold loan appraisal and documentation.
- ● Collaborate with the loan processing team to provide timely and accurate appraisal reports to facilitate loan disbursement.
- ● Maintain up-to-date knowledge of gold market trends, price fluctuations, and industry standards to inform valuation decisions.
- ● Identify and report any discrepancies, counterfeit items, or potential fraud during the appraisal process.
- ● Maintain detailed records of appraisals, including photographs, test results, and valuation reports for audit and reference purposes.
- ● Provide training and guidance to junior staff on gold appraisal techniques and compliance requirements.
- ● Coordinate with external vendors and assay labs when advanced testing or certification is required.
- ● Support the development and enhancement of appraisal procedures to improve accuracy and operational efficiency.
- ● Gold Purity Testing
- ● Karats Measurement
- ● Use of Electronic Gold Testing Equipment
- ● Market Price Analysis
- ● Regulatory Compliance in Financial Services
- ● Risk Assessment and Fraud Detection
- ● Documentation and Record Keeping
- ● Customer Service in Loan Operations
- ● Report Writing and Communication
- ● Team Collaboration and Training
Requirements
- ● Bachelor's degree in Commerce, Finance, or a related field; certification in gemology or precious metals appraisal is highly desirable.
- ● Minimum of 3-5 years of experience in gold appraisal within the financial services or banking sector, preferably in gold loan operations.
- ● Key Performance Indicators: Key Performance Indicators
- ● Required Competencies: Required Competencies
- ● Required Knowledge: Required Knowledge
- ● Required Skills: Required Skills
- ● Required Abilities
- ● Physical: Physical
- ● Other: Other
- ● Work Environment Details: Work Environment Details
- ● Specific Requirements
- ● Travel: Travel
- ● Vehicle: Vehicle
- ● Work Permit: Work Permit
- ● Other Details
- ● Pay Rate: Pay Rate
- ● Contract Types: Contract Types
- ● Time Constraints: Time Constraints
- ● Compliance Related: Compliance Related
- ● Union Affiliation: Union Affiliation
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