Senior Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK; Belagavi District; Sur place; INR 900 000 - 1 300 000; Plein temps

Résumé du poste

AU Small Finance Bank Limited is seeking an experienced Senior Gold Appraiser to lead the valuation and appraisal of gold assets for the bank's gold loan portfolio. The role requires deep expertise in purity testing, weight assessment, and market value analysis to support loan sanctioning decisions.

You will maintain detailed records, ensure regulatory compliance, mentor junior staff, and collaborate with credit and risk teams to mitigate financial risks while staying updated on gold price

Qualifications

• Bachelor's degree in Commerce, Finance, or related field.
• Gemology or precious metals appraisal certification desirable.
• Minimum 5 years of gold appraisal experience in banking or financial services.

Responsabilités

• Lead valuation of gold jewelry and bullion for loan approvals.
• Verify purity and weight using standard testing methods.
• Maintain records with certificates, photos, and assay reports.
• Collaborate with credit and risk teams on valuations.
• Mentor junior appraisers and operations staff on gold valuation.
• Monitor gold price fluctuations and regulatory changes.
• Coordinate with branches to ensure timely loan disbursal.
• Support audits and regulatory inspections.

Connaissances

Gold Purity Testing

Jewelry Appraisal Techniques

Market Price Analysis

Risk Assessment in Gold Loans

Regulatory Compliance for Precious Met

Documentation and Record Keeping

Team Leadership and Training

Audit and Quality Control

Customer Service in Financial Ops

Formation

Bachelor's degree in Commerce, Finance, or related field

Gemology or precious metals appraisal certification desirable

Outils

Assay and Testing Equipment

Description du poste

Group Company: AU Small Finance Bank Limited

Designation: Senior Gold Appraiser - Gold Loan

Job Brief

AU Small Finance Bank Limited is seeking an experienced professional to lead the valuation and appraisal of gold assets within our Operations and Services department. This role demands a high level of expertise in assessing the quality, purity, and market value of gold items to support the bank's gold loan portfolio. The incumbent will ensure accurate and timely appraisals, maintain compliance with regulatory standards, and collaborate closely with credit and risk teams to mitigate financial risks. This position requires a detail-oriented individual with strong analytical skills and a deep understanding of the gold market dynamics, committed to upholding the bank's reputation for integrity and customer trust.

Responsibilities

• Conduct thorough and precise appraisal of gold jewelry and bullion to determine purity, weight, and market value in alignment with current market trends.
• Verify authenticity and quality of gold items using industry-standard testing methods and equipment.
• Collaborate with credit and risk management teams to provide accurate valuations that support loan sanctioning decisions.
• Maintain detailed records of appraisals, including photographs, assay reports, and valuation certificates, ensuring compliance with internal policies and regulatory requirements.
• Stay updated on fluctuations in gold prices, market demand, and regulatory changes affecting gold loan operations.
• Train and mentor junior appraisers and operations staff on gold valuation techniques and compliance protocols.
• Coordinate with branch operations to streamline the appraisal process, ensuring timely loan disbursal and customer satisfaction.
• Implement and monitor quality control measures to minimize errors and discrepancies in gold valuation.
• Participate in audits and inspections related to gold loan assets and appraisal procedures.
• Advise management on potential risks and opportunities in the gold loan portfolio based on appraisal insights.

Skill

• Gold Purity Testing
• Jewelry Appraisal Techniques
• Market Price Analysis
• Risk Assessment in Gold Loans
• Regulatory Compliance for Precious Metals
• Use of Assay and Testing Equipment
• Documentation and Record Keeping
• Team Leadership and Training
• Audit and Quality Control
• Customer Service in Financial Operations

Preferred Qualifications

• Bachelor's degree in Commerce, Finance, or a related field; certification in gemology or precious metals appraisal is highly desirable.
• Minimum of 5 years of experience in gold appraisal within the financial services or banking sector, preferably with exposure to gold loan operations.