Credit Investigator and Appraisal Specialist - Financial Risk Assessment Role

Join Palawan Pawnshop as a Credit Investigator and Appraisal Specialist in the vibrant financial hub of Denpasar, Bali. This is your opportunity to build a rewarding career in credit analysis and collateral assessment, where your expertise will directly impact the financial health and growth of our institution. As part of our dynamic team, you will play a crucial role in evaluating the creditworthiness of borrowers and accurately appraising the value of collateral, ensuring that our lending practices are both ethical and profitable.

In this role, you will be responsible for conducting thorough investigations into the financial backgrounds of potential borrowers, verifying their income, assets, and liabilities. You will also be tasked with appraising various types of collateral, including vehicles, jewelry, and electronics, using industry-standard tools and methodologies. Your insights will help our team make informed decisions, minimizing the risk of defaults while maximizing the value of our assets.

📋 Tanggung Jawab Pekerjaan

• Conduct comprehensive credit investigations to assess the financial backgrounds of potential borrowers.
• Verify income, assets, and liabilities of borrowers through various means, including bank statements, employment verification, and personal interviews.
• Appraise the value of collateral items such as vehicles, jewelry, and electronics using industry-standard tools like BlueBook, NADA, or Kelly Blue Book.
• Collaborate with the loan processing team to ensure accurate and timely assessment of loan applications.
• Prepare detailed reports and recommendations for loan approval or rejection based on the findings of credit investigations and collateral appraisals.
• Stay updated with industry regulations, market trends, and best practices in credit analysis and collateral appraisal.
• Maintain accurate and up-to-date records of all credit investigations and appraisal activities.
• Provide exceptional customer service to borrowers and clients, ensuring transparency and clarity throughout the loan process.

🎓 Kualifikasi & Syarat

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 3 years of experience in credit analysis, risk assessment, or collateral appraisal.
• Proven expertise in using credit investigation tools and software such as LexisNexis, Equifax, or Experian.
• Strong knowledge of Indonesian financial regulations and lending practices.
• Certification in collateral appraisal (e.g., Certified Appraiser, Accredited Senior Appraiser) is a plus.
• Excellent analytical and problem-solving skills.
• Strong communication and interpersonal skills.
• Ability to work under pressure and meet tight deadlines.

🛠️ Keahlian

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