Gold Appraiser - Gold Loan

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. This role demands a deep understanding of gold valuation techniques, market trends, and regulatory compliance to ensure accurate and fair assessment of collateral. The ideal candidate will play a critical role in supporting the bank's gold loan portfolio by providing precise appraisals that mitigate risk and enhance customer trust. This position requires strong analytical skills, attention to detail, and the ability to work collaboratively within a dynamic financial services environment.

Responsibilities:-

• Conduct thorough physical inspection and verification of gold items submitted as collateral for loan processing.
• Accurately assess the purity, weight, and market value of gold assets using standardized testing methods and tools.
• Maintain up-to-date knowledge of current gold market prices and trends to ensure precise valuation.
• Prepare detailed appraisal reports and documentation in compliance with the bank's policies and regulatory requirements.
• Collaborate with loan officers and operations teams to facilitate smooth processing of gold-backed loans.
• Identify and report any discrepancies, counterfeit items, or potential fraud related to gold collateral.
• Ensure adherence to safety and security protocols during the handling and storage of gold items.
• Participate in periodic audits and quality checks to maintain appraisal accuracy and operational integrity.
• Provide training and guidance to junior staff on gold appraisal techniques and compliance standards.
• Continuously update professional knowledge through industry seminars, workshops, and certifications relevant to gold appraisal and financial services.
  
  

Skill:-

• Gold Purity Testing
• Precious Metals Valuation
• Market Price Analysis
• Risk Assessment
• Regulatory Compliance
• Report Writing and Documentation
• Fraud Detection
• Inventory Management
• Customer Service
• Use of Assaying Equipment
• Attention to Detail
• Team Collaboration
  
  

Preferred Qualifications:-

• 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 or valuation within the financial services or jewelry industry.
  
  

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*#