Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK; Krishna District; On-site; INR 500,000 - 800,000; Full time

Job summary

AU Small Finance Bank Limited seeks an experienced Gold Appraiser to evaluate gold assets pledged as loan collateral. You will verify physical gold items, assess purity and weight, and determine market value for informed lending decisions.

The role requires knowledge of gold valuation techniques, adherence to regulatory norms, and the ability to generate precise appraisal reports for timely loan processing.

Qualifications

• Bachelor’s degree in Finance/Commerce or related field preferred; gemology or precious metals appraisal certification desirable.
• Minimum 3–5 years of gold appraisal experience in banking/financial services.

Responsibilities

• Conduct detailed physical inspection and verification of gold collateral for loan processing.
• Assess purity, weight, and market value using standard testing methods and equipment.
• Ensure compliance with regulatory guidelines and internal policies for gold loan appraisal and documentation.
• Provide timely, accurate appraisal reports to support loan disbursement.
• Maintain knowledge of gold market trends, price fluctuations, and industry standards.

Skills

Gold Purity

Karats Measurement

Electronic Testing

Price Analysis

Regulatory Compliance

Risk Assessment

Documentation

Customer Service

Report Writing

Team Training

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. The role demands a thorough understanding of gold valuation techniques, market trends, and regulatory compliance to ensure accurate assessment and risk mitigation. The ideal candidate will play a critical role in supporting the bank's gold loan portfolio by providing precise appraisals that align with the bank’s lending policies and contribute to customer satisfaction and operational efficiency.

Responsibilities

:-

• Conduct detailed physical inspection and verification of gold ornaments and items submitted as collateral for loan processing.
• Accurately assess the purity, weight, and market value of gold items using standardized testing methods and equipment.
• Ensure compliance with regulatory guidelines and internal policies related to gold loan appraisal and documentation.
• Collaborate with the loan processing team to provide timely and accurate appraisal reports to facilitate loan disbursement.
• Maintain up-to-date knowledge of gold market trends, price fluctuations, and industry standards to inform valuation decisions.
• Identify and report any discrepancies, counterfeit items, or potential fraud during the appraisal process.
• Maintain detailed records of appraisals, including photographs, test results, and valuation reports for audit and reference purposes.
• Provide training and guidance to junior staff on gold appraisal techniques and compliance requirements.
• Coordinate with external vendors and assay labs when advanced testing or certification is required.
• Support the development and enhancement of appraisal procedures to improve accuracy and operational efficiency.

Skill

:-

• Gold Purity Testing
• Karats Measurement
• Use of Electronic Gold Testing Equipment
• Market Price Analysis
• Regulatory Compliance in Financial Services
• Risk Assessment and Fraud Detection
• Documentation and Record Keeping
• Customer Service in Loan Operations
• Report Writing and Communication
• Team Collaboration and Training

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 within the financial services or banking sector, preferably in gold loan operations.

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

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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*#