Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK; Patna; Sur place; INR 600 000 - 1 200 000; Plein temps

Résumé du poste

AU Small Finance Bank Limited is seeking a skilled Gold Appraiser to evaluate gold assets for loan processing. The role requires expertise in purity assessment, market value determination, and accurate documentation to support secure gold-backed lending.

The candidate will work with loan officers and operations teams, stay updated on gold price trends, and ensure AML/compliance standards are met. This position emphasizes accuracy, risk mitigation, and client service within a banking environment.

Qualifications

• Bachelor’s degree in Finance, Commerce, Gemology, or related field; certification in gold appraisal or gemology is highly desirable.
• Minimum of 3-5 years of experience in gold appraisal or valuation within the financial services or jewelry industry, preferably in a banking environment.

Responsabilités

• Conduct thorough physical inspection and verification of gold items submitted as collateral for loan processing, ensuring authenticity and purity.
• Evaluate and determine the market value of gold assets using standardized testing methods and current market rates.
• Maintain accurate records of appraisals, including detailed reports and documentation for audit and compliance purposes.
• Collaborate with loan officers and operations teams to facilitate timely and accurate loan disbursement based on gold valuation.
• Stay updated with fluctuations in gold prices, market trends, and regulatory changes affecting gold loan operations.
• Ensure compliance with internal policies, industry regulations, and anti-money laundering guidelines during appraisal and loan processing.
• Train and mentor junior staff on gold appraisal techniques, quality standards, and operational procedures.
• Identify and report any discrepancies or suspicious activities related to gold assets to the appropriate authorities within the bank.
• Participate in periodic audits and quality checks to uphold the integrity and accuracy of gold appraisal processes.
• Contribute to continuous improvement initiatives aimed at enhancing appraisal accuracy and operational efficiency.

Connaissances

Gold Purity Testing

Market Value Analysis

Asset Verification Techniques

Regulatory Compliance (KYC/AML)

Risk Assessment and Mitigation

Report Writing and Documentation

Customer Service Orientation

Audit and Quality Control

Training and Development

Data Management and Record Keeping

Formation

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

Certification in gold appraisal or gemology

Description du poste

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*#

• Industry: #*Industry*#
• Role: #*Role*#
• Years of experience: #*Years of experience*#

Job Brief: - AU Small Finance Bank Limited is seeking a highly skilled and detail-oriented professional to join our Operations and Services team, specializing in the evaluation and appraisal of gold assets for loan processing. This role demands expertise in assessing the quality, purity, and market value of gold to facilitate secure and efficient gold-backed lending. The ideal candidate will possess a strong understanding of gold valuation techniques, market trends, and regulatory compliance within the financial services sector. This position plays a critical role in risk mitigation and customer service excellence by ensuring accurate asset valuation and adherence to the bank's operational standards.

Responsibilities

• Conduct thorough physical inspection and verification of gold items submitted as collateral for loan processing, ensuring authenticity and purity.
• Evaluate and determine the market value of gold assets using standardized testing methods and current market rates.
• Maintain accurate records of appraisals, including detailed reports and documentation for audit and compliance purposes.
• Collaborate with loan officers and operations teams to facilitate timely and accurate loan disbursement based on gold valuation.
• Stay updated with fluctuations in gold prices, market trends, and regulatory changes affecting gold loan operations.
• Ensure compliance with internal policies, industry regulations, and anti-money laundering guidelines during appraisal and loan processing.
• Train and mentor junior staff on gold appraisal techniques, quality standards, and operational procedures.
• Identify and report any discrepancies or suspicious activities related to gold assets to the appropriate authorities within the bank.
• Participate in periodic audits and quality checks to uphold the integrity and accuracy of gold appraisal processes.
• Contribute to continuous improvement initiatives aimed at enhancing appraisal accuracy and operational efficiency.

Skill

• Gold Purity Testing
• Market Value Analysis
• Asset Verification Techniques
• Regulatory Compliance (KYC/AML)
• Risk Assessment and Mitigation
• Report Writing and Documentation
• Customer Service Orientation
• Audit and Quality Control
• Training and Development
• Data Management and Record Keeping

Preferred Qualifications

• Bachelor’s degree in Finance, Commerce, Gemology, or a related field; certification in gold appraisal or gemology is highly desirable.
• Minimum of 3-5 years of experience in gold appraisal or valuation within the financial services or jewelry industry, preferably in a banking environment.

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: #*Work Environment Details*#

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*#