Appraisal SME (Bandung)

Moladin; Kota Bandung; On-site; IDR 100.000.000 - 200.000.000; Full time

Job summary

A leading mobility fintech platform in Indonesia is looking for a candidate to perform customer visits and evaluate collateral conditions for accessibility in financing solutions. Applicants should have a Bachelor’s or Master's degree and at least 3 years of experience in evaluating loans and property valuations. The ideal candidate will demonstrate exceptional attention to detail, integrity, and strong analytical abilities. This position offers a rewarding opportunity to impact mobility solutions across the country.

Qualifications

• Minimum 3 years of industry experience in evaluating SME or Commercial Loans.
• Expertise in credit processes and underwriting.
• Strong understanding of property ownership and valuation.

Responsibilities

• Conduct customer visits and gather necessary information for eligibility.
• Evaluate collateral conditions and provide value recommendations.
• Perform on-site verification of collateral values.

Skills

Customer relationship management

Property valuation

Attention to detail

Analytical skills

Integrity

Education

Bachelor's or Master's Degree

Job description

Responsibilities

• 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.

About Moladin

Moladin is Indonesia’s leading mobility fintech 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’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com