Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK

Mirzapur

On-site

INR 500,000 - 800,000

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. You will inspect items for authenticity, determine market value based on current rates and weight, and prepare detailed appraisal reports to support sanctioning decisions.

The role requires 3–5 years of gold appraisal experience (financial services or jewelry) and a strong grasp of regulatory guidelines.

Qualifications

Bachelor’s degree in Commerce/Finance or related field.
Gemology or precious metals appraisal certification desirable.
3–5 years of experience in gold appraisal in financial services or jewelry industry, preferably with exposure to gold loan operations.

Responsibilities

Conduct thorough physical inspection and verification of gold items submitted for loan processing, ensuring authenticity and purity.
Evaluate the market value of gold based on current rates, weight, and quality, applying standardized appraisal methodologies.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loan operations.
Prepare detailed appraisal reports and documentation to support loan sanctioning decisions and audit requirements.
Collaborate with loan officers and operations teams to facilitate smooth processing of gold loan applications.
Ensure compliance with internal policies and external regulatory requirements related to gold asset evaluation and loan disbursement.
Identify and report any discrepancies or potential fraud in gold submissions to the relevant authorities within the bank.
Participate in periodic training and development programs to enhance appraisal techniques and industry knowledge.
Manage and maintain appraisal equipment and tools to ensure accuracy and reliability in assessments.
Support the resolution of customer queries related to gold valuation and loan terms with professionalism and clarity.

Skills

Gold Purity Testing

Market Price Analysis

Risk Assessment

Regulatory Compliance

Report Writing

Customer Service

Fraud Detection

Appraisal Equipment Handling

Attention to Detail

Collaboration and Communication

Education

Bachelor’s degree in Commerce/Finance or related field

Gemology or precious metals appraisal certification (desirable)

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Gold Appraiser - Gold Loan

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 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 uphold the institution's standards of financial integrity and customer trust.

Responsibilities

Conduct thorough physical inspection and verification of gold items submitted for loan processing, ensuring authenticity and purity.
Evaluate the market value of gold based on current rates, weight, and quality, applying standardized appraisal methodologies.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loan operations.
Prepare detailed appraisal reports and documentation to support loan sanctioning decisions and audit requirements.
Collaborate with loan officers and operations teams to facilitate smooth processing of gold loan applications.
Ensure compliance with internal policies and external regulatory requirements related to gold asset evaluation and loan disbursement.
Identify and report any discrepancies or potential fraud in gold submissions to the relevant authorities within the bank.
Participate in periodic training and development programs to enhance appraisal techniques and industry knowledge.
Manage and maintain appraisal equipment and tools to ensure accuracy and reliability in assessments.
Support the resolution of customer queries related to gold valuation and loan terms with professionalism and clarity.

Skill

Gold Purity Testing
Market Price Analysis
Risk Assessment
Regulatory Compliance
Report Writing
Customer Service
Fraud Detection
Appraisal Equipment Handling
Attention to Detail
Collaboration and Communication

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 or a similar role 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