Officer, Gold Loan Officer, Consumer Banking Group

DBS; Hinoba-an; On-site; PHP 360,000 - 480,000; Full time

Benefits offered by this job

Competitive salary

Job summary

DBS in the Philippines is hiring for a position handling the appraisal and processing of gold loans. The role requires precise evaluation of gold ornaments for purity and value, strict adherence to bank policies, and accurate documentation.

You will deliver excellent service to walk-in clients and support cross-selling of banking products in a target-driven environment. Candidates should demonstrate integrity, attention to detail, and knowledge of regulatory compliance.

Qualifications

• Proven experience in gold appraisal and loan processing.
• Strong understanding of gold purity testing methods and market valuation standards.
• Demonstrated customer service and relationship management skills.
• High level of integrity, accuracy, and attention to detail in handling physical assets.

Responsibilities

• Evaluate and appraise gold ornaments accurately for purity and value to determine loan eligibility.
• Process and disburse gold loan applications in accordance with bank policies and regulatory guidelines.
• Deliver excellent customer service to walk-in clients, addressing inquiries and facilitating smooth loan transactions.
• Ensure safe custody and secure storage of gold ornaments and related documentation.
• Monitor loan portfolios, manage renewals, and follow up on overdue accounts for timely recovery.
• Cross-sell other consumer banking products and services to meet branch distribution targets.
• Maintain high standards of operational integrity, compliance, and risk management.

Skills

Gold appraisal

Valuation

Customer service

Integrity

Attention to detail

Regulatory knowledge

Gold loan processing

Job description

Business Function

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business - they were made just right for you.

Responsibilities

• Evaluate and appraise gold ornaments accurately for purity and value to determine loan eligibility.


• Process and disburse gold loan applications in accordance with bank policies and regulatory guidelines.


• Deliver excellent customer service to walk-in clients, addressing inquiries and facilitating smooth loan transactions.


• Ensure safe custody and secure storage of gold ornaments and related documentation.


• Monitor loan portfolios, manage renewals, and follow up on overdue accounts for timely recovery.


• Cross-sell other consumer banking products and services to meet branch distribution targets.


• Maintain high standards of operational integrity, compliance, and risk management.

Requirements

• Proven experience in gold appraisal, valuation, and gold loan processing within a financial institution or retail lending environment.


• Strong understanding of gold purity testing methods and market valuation standards.


• Demonstrated customer service and relationship management skills.


• High level of integrity, accuracy, and attention to detail in handling physical assets and financial transactions.


• Ability to work effectively in a fast-paced, target-driven branch environment.


• Sound knowledge of consumer banking products, operational risk, and regulatory compliance.

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Location: Mahabubnagar Job: Operations Schedule: Regular Employee Status: Full time

DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.