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 within the financial services sector. The ideal candidate will play a critical role in ensuring accurate asset assessment to facilitate secure lending, contributing to the bank's commitment to responsible financial services and customer trust.

Responsibilities:-

• Conduct thorough and precise appraisal of gold items submitted as collateral for loan processing, ensuring adherence to industry standards and bank policies.
• Evaluate the purity, weight, and market value of gold assets using standardized testing methods and tools.
• Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory changes impacting asset valuation.
• Collaborate with loan officers and operations teams to provide accurate asset valuations that support loan sanctioning decisions.
• Ensure compliance with all regulatory requirements and internal audit standards related to gold appraisal and loan collateral management.
• Document and report appraisal findings accurately, maintaining detailed records for audit and verification purposes.
• Identify and flag any discrepancies or potential risks in gold asset submissions, escalating issues to senior management as necessary.
• Participate in periodic training and development programs to enhance appraisal techniques and stay current with industry best practices.
• Support the development and refinement of appraisal procedures and policies to improve operational efficiency and risk management.
• Assist in customer interactions related to gold loan appraisal queries, providing clear and professional explanations.
  
  

Skill:-

• Gold Purity Testing
• Asset Valuation Techniques
• Market Trend Analysis
• Regulatory Compliance in Financial Services
• Risk Assessment and Management
• Documentation and Reporting
• Customer Service in Financial Operations
• Use of Gold Testing Instruments
• Collaboration and Communication
• Audit and Quality Control Procedures
  
  

Preferred Qualifications:-

• Bachelor's degree in Finance, Commerce, 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 a similar role within the financial services or banking 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*#