Appraisal (Sme Financing)

**Responsibilities**
- Conduct customer visits and surveys to gather the necessary information and documentation for assessing customer eligibility.
- Thoroughly evaluate the condition of collateral (property/land/building) and provide recommendations on the value of the collateral in the system.
- Ability to compare and collaborate with KJPP on property valuation, as well as verify the collateral value by conducting at least three (3) valid data comparisons in the surrounding area.
- Demonstrate commitment to a target number of visits and comply with SLA processing time and SOP implementation.
- Perform the know-your-customer (KYC) process, validate documents, verify collateral, and identify potential fraud.
- Have a keen understanding of property value and ownership (ownership title) and conduct on-site verification with customers.

**Requirement**
- Minimum Bachelor's or Master's Degree from a reputable university.
- Minimum of 3 years of industry experience in the evaluation of SME, Micro SME, or Commercial Loans.
- Proficient understanding of property valuations across different areas, including the ability to identify factors that may affect the value of collateral.
- Thorough knowledge of the credit process and underwriting, covering loan submission, documentation, appraisal policy, collateral approval analysis, collateral security title, and legal document review.
- Demonstrates exceptional attention to detail and a high level of interest in analyzing customer data.
- Highly accountable with a strong sense of integrity, commitment, and discipline.

**About Moladin**

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