- 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 within the financial services sector. The ideal candidate will play a critical role in ensuring accurate asset assessment to facilitate secure lending, contributing to the bank's commitment to responsible financial services and customer trust.Responsibilities:-
- Conduct thorough and exact appraisal of gold items submitted as collateral for loan processing, ensuring adherence to industry standards and bank policies.
- Evaluate the purity, weight, and market value of gold assets using standardized testing methods and tools.
- Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory changes impacting gold loan operations.
- Collaborate with loan officers and operations teams to verify collateral details and support loan sanctioning processes.
- Prepare detailed appraisal reports and documentation to support loan approval and audit requirements.
- Ensure compliance with all regulatory guidelines and internal controls related to gold asset evaluation and loan processing.
- Identify and report any discrepancies or potential risks associated with gold collateral to senior management.
- Train and mentor junior staff on gold appraisal techniques and compliance protocols to maintain high operational standards.
- Participate in periodic audits and quality checks to uphold the integrity of the appraisal process.
- Utilize digital tools and software for accurate record-keeping and appraisal data management.
Skill:-
- Gold Purity Testing
- Asset Valuation Techniques
- Market Trend Analysis
- Regulatory Compliance in Financial Services
- Collateral Verification
- Report Preparation and Documentation
- Risk Identification and Management
- Audit and Quality Control
- Use of Digital Appraisal Tools
- Team Training and Development
Preferred Qualifications:-
- Bachelor’s degree in Finance, Commerce, Gemology, or a related field; certification in gold appraisal or valuation is highly desirable.
- Minimum of 3-5 years of experience in gold appraisal within the financial services or banking sector, preferably with exposure to gold loan operations.