job description
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 lending decisions and risk management strategies.
In this dynamic role, you will play a pivotal part in evaluating borrower credibility, assessing the value of pledged assets, and ensuring compliance with financial regulations. Your analytical skills and attention to detail will help mitigate risks while supporting the company’s mission to provide secure and reliable financial services.
Denpasar offers a unique blend of professional growth and tropical lifestyle, making it an ideal location for finance professionals seeking both career advancement and work-life balance. Whether you're a seasoned specialist or an ambitious professional looking to enter the financial services sector, this role provides the platform to excel in a fast-paced, impactful environment.
Responsibility
- Conduct thorough credit investigations to verify borrower information, financial history, and repayment capacity.
- Appraise and evaluate collateral (e.g., jewelry, electronics, vehicles) to determine fair market value and loan eligibility.
- Analyze risk factors and recommend appropriate loan terms based on creditworthiness and asset valuation.
- Prepare detailed reports on credit assessments, appraisal findings, and risk exposure for management review.
- Ensure compliance with company policies, local regulations, and anti-money laundering (AML) standards.
- Collaborate with branch teams to streamline loan processing and improve customer service efficiency.
- Monitor and update appraisal methodologies to align with market trends and industry best practices.
- Resolve discrepancies in borrower documentation or collateral assessments through verification and negotiation.
Qualifications
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Minimum of 2 years of experience in credit investigation, loan processing, or collateral appraisal (pawnshop or banking experience is a plus).
- Strong knowledge of financial statements, credit scoring, and risk assessment techniques.
- Familiarity with appraisal standards for various asset types (e.g., jewelry, real estate, vehicles).
- Excellent analytical, problem-solving, and decision-making skills.
- Proficiency in MS Office (Excel, Word) and financial software tools.
- High attention to detail and ability to work under tight deadlines.
- Strong communication and interpersonal skills to interact with clients and internal teams.