Appraisal SME

PT Moladin Finance Indonesia; Denpasar; On-site; IDR 120,000,000 - 240,000,000; Full time

Job summary

PT Moladin Finance Indonesia seeks a skilled collateral valuation specialist to support loan underwriting. You will conduct field visits, assess collateral value, and verify ownership titles while coordinating with KJPP for accurate appraisals.

The role emphasizes integrity, attention to detail, and strict adherence to policies. Success requires at least 3 years of relevant experience in SME or Commercial loans, proficient KYC handling, and the ability to perform on-site verifications in

Qualifications

• Minimum Bachelor’s or Master’s degree from a reputable university.
• 3+ years in SME/ Micro SME or Commercial Loan evaluation.
• Strong understanding of property valuations and ownership titles.
• Knowledge of credit processes, underwriting, and collateral analysis.

Responsibilities

• Conduct customer visits and surveys to gather information and documents for eligibility assessment.
• Evaluate collateral condition and provide value recommendations in the system.
• Collaborate with KJPP on property valuation and verify collateral value with at least three data comparisons locally.
• Meet target visit numbers and comply with SLA processing times and SOPs.
• Perform KYC, validate documents, verify collateral, and identify potential fraud.
• On-site verification of ownership titles and property value with customers.

Skills

Collateral valuation knowledge

KYC processing

Data accuracy & analytics

Attention to detail

Integrity & discipline

Education

Bachelor's or Master's degree

Job description

Conduct customer visits and surveys to gather the necessary information and documentation for assessing customer eligibility.

Thoroughly evaluate the condition of collateral (property/land/building) and provide recommendations on the value of the collateral in the system.

Ability to compare and collaborate with KJPP on property valuation, as well as verify the collateral value by conducting at least three (3) valid data comparisons in the surrounding area.

Demonstrate commitment to a target number of visits and comply with SLA processing time and SOP implementation.

Perform the know-your-customer (KYC) process, validate documents, verify collateral, and identify potential fraud.

Have a keen understanding of property value and ownership (ownership title) and conduct on-site verification with customers.

Requirement

Minimum Bachelor's or Master's Degree from a reputable university.

Minimum of 3 years of industry experience in the evaluation of SME, Micro SME, or Commercial Loans.

Proficient understanding of property valuations across different areas, including the ability to identify factors that may affect the value of collateral.

Thorough knowledge of the credit process and underwriting, covering loan submission, documentation, appraisal policy, collateral approval analysis, collateral security title, and legal document review.

Demonstrates exceptional attention to detail and a high level of interest in analyzing customer data.

Highly accountable with a strong sense of integrity, commitment, and discipline.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Moladin is Indonesia’s leading mobility marketplace platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia.

Moladin is Indonesia’s leading mobility marketplace platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia.

Researching careers? Find all the information and tips you need on career advice.