Property Appraiser

Eight Under Par (Pawnshop Operator), Inc.; Davao City; On-site; PHP 350,000 - 550,000; Full time

Job summary

Eight Under Par (Pawnshop Operator), Inc. is seeking a capable Credit Investigation and Real Property Appraisal professional to join our risk team in the Philippines.

You will conduct on-site validations, appraise collateral, and ensure documentation authenticity to support sound lending decisions. The role emphasizes timely report turnaround, adherence to internal policies, and coordination with outsourced appraisers when needed.

Qualifications

• Bachelor’s Degree in any business or related course, preferably with license in Real Property Appraisal.
• At least 1 year in credit investigation and real property appraisal in a financial institution.
• Knowledge of legal and regulatory framework for real properties.

Responsibilities

• Positive validation of borrowers' residence, business activity and community involvement.
• Careful valuation of collateral thru peer comparison, government valuation and recent sale transactions vis‑à‑vis current market offer prices.
• Thorough evaluation of the acceptability of collateral confirming there are no errors in the description and actual plot measurements.
• Ensuring authenticity of all collateral documents, using back tracing and other control measures as needed.

Skills

Credit investigation

Real property appraisal

Regulatory knowledge

Education

Bachelor’s Degree in business or related field

Job description

Qualifications

• Bachelor's Degree in any business or related course, preferably with license in Real Property Appraisal.
• At least 1 year in credit investigation and real property appraisal in a financial institution.
• Knowledge of legal and regulatory framework for real properties.

Key Responsibilities

Quality of CI and Appraisal Reports

• Positive validation of borrowers' residence, business activity and community involvement.
• Careful valuation of collateral thru peer comparison, government valuation and recent sale transactions vis-à-vis current market offer prices.
• Thorough evaluation of the acceptability of collateral confirming there are no errors in the description and actual plot measurements.
• Ensuring authenticity of all collateral documents, using back tracing and other control measures as needed.

Turnaround of CI and Appraisal Reports

• Turnaround of all CI and Appraisal reports are done with the agreed timeframe or earlier.

Compliance

• Compliance with applicable policies and procedures of the Company covering credit investigation, property appraisal, credit evaluation and credit administration.

Scope and Limitation

1. Conducts on-site validation of Borrower's loan application details particularly place of residence, business activity, and community involvement.
2. Conducts on-site appraisal of offered real estate and chattel collaterals.
3. Reviews and validates appraisal reports conducted and submitted by outsourced appraisers (if applicable).
4. Gathers property valuation from other banks or other sources of information (Financial Institutions) for property appraisal reference.
5. Verifies Tax Declaration for real estate collaterals from the Assessor's Office and conducts title trace backing from the Registry of Deeds to ensure authenticity of documents presented.