Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK

Agra District

On-site

INR 400,000 - 650,000

Full time

2 days ago

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Job summary

AU Small Finance Bank Limited seeks a meticulous Gold Appraiser to evaluate gold assets for loan processing. The role requires expertise in purity testing, weight, and market pricing, with strong regulatory knowledge.

You will prepare appraisal reports, ensure compliance, and collaborate with loan officers to enable timely disbursements. The ideal candidate has 3–5 years of gold appraisal experience in financial services or jewelry, with a focus on gold loan operations and strong analytical

Qualifications

Bachelor’s degree in Finance, Commerce, Gemology, or related field.
3–5 years of gold appraisal experience in financial services or jewelry industry.
Exposure to gold loan operations and regulatory guidelines.

Responsibilities

Conduct thorough and accurate 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 equipment.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loan operations.
Collaborate with loan officers and operations teams to verify collateral details and support loan disbursement processes.
Prepare detailed appraisal reports and documentation to support loan approval and audit requirements.
Ensure compliance with all internal controls, legal regulations, and audit standards related to gold asset evaluation.
Identify and report any discrepancies or potential risks associated with gold collateral to senior management promptly.
Train and mentor junior appraisers and operations staff on gold valuation techniques and compliance protocols.
Participate in periodic audits and quality checks to maintain the integrity and accuracy of appraisal processes.
Utilize digital tools and software for record-keeping, appraisal documentation, and reporting to enhance operational efficiency.

Skills

Gold Purity Testing

Karats Measurement

Market Price Analysis

Regulatory Compliance in Financial

Risk Assessment and Mitigation

Report Writing and Documentation

Use of Assaying Equipment

Audit and Quality Control

Customer Service in Financial Ops

Data Management and Digital Records

Education

Bachelor’s degree in Finance, Commerce, Gemology, or related field

Certification in precious metal appraisal desirable

Job description

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 timely assessment of gold 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 and accurate 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 equipment.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loan operations.
Collaborate with loan officers and operations teams to verify collateral details and support loan disbursement processes.
Prepare detailed appraisal reports and documentation to support loan approval and audit requirements.
Ensure compliance with all internal controls, legal regulations, and audit standards related to gold asset evaluation.
Identify and report any discrepancies or potential risks associated with gold collateral to senior management promptly.
Train and mentor junior appraisers and operations staff on gold valuation techniques and compliance protocols.
Participate in periodic audits and quality checks to maintain the integrity and accuracy of appraisal processes.
Utilize digital tools and software for record-keeping, appraisal documentation, and reporting to enhance operational efficiency.

Skill

Gold Purity Testing
Karats Measurement
Market Price Analysis
Regulatory Compliance in Financial Services
Risk Assessment and Mitigation
Report Writing and Documentation
Use of Assaying Equipment
Audit and Quality Control
Customer Service in Financial Operations
Data Management and Digital Record-Keeping

Preferred Qualifications

Bachelor’s degree in Finance, Commerce, Gemology, or a related field; certification in precious metal appraisal is highly desirable.
Minimum of 3-5 years of experience in gold appraisal or related roles within the financial services or jewelry industry, preferably with exposure to gold loan operations.

Key Performance Indicators

#*Key Performance Indicators*#

Required Competencies

#*Required Competencies*#

Required Knowledge

#*Required Knowledge*#

Required Skills

#*Required Skills*#

Required Abilities