Gold Loan Officer
DBS Bank Ltd is a Singapore-based bank providing personal, SME, corporate, institutional, wealth management, financial markets, and digital banking services. Its clients include consumers, small and medium-sized businesses, corporations, and institutional customers.
About DBS Bank Ltd
DBS Bank Ltd provides banking products and services including accounts, cards, insurance, loans, investments, digital banking, payments, trade finance, foreign exchange, commodities, investment solutions, and derivatives clearing. Through its SME business, it supports businesses with financing, cash-flow management, online banking through DBS IDEAL, sustainability programmes, and business-growth initiatives. The bank serves personal customers, SMEs, corporate and institutional clients, and wealth-management customers across its regional markets.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will evaluate gold ornaments for purity and value, determine loan eligibility, process applications, and disburse loans under applicable policies. You will assist walk-in customers, secure pledged gold and documentation, monitor renewals and overdue accounts, support recoveries, cross-sell banking products, and manage operational and compliance risks.
Requirements
- Demonstrate experience in gold appraisal, valuation, and gold loan processing within a financial institution or retail lending environment.
- Understand gold purity testing methods and market valuation standards.
- Demonstrate customer service and relationship management skills.
- Handle physical assets and financial transactions with integrity, accuracy, and attention to detail.
- Work effectively in a fast-paced and target-driven branch environment.
- Possess sound knowledge of consumer banking products, operational risk, and regulatory compliance.
Responsibilities
- Evaluate and appraise gold ornaments for purity and value.
- Determine gold loan eligibility.
- Process and disburse gold loan applications according to policies and regulatory guidelines.
- Serve walk-in customers and facilitate smooth loan transactions.
- Safeguard gold ornaments and related documentation.
- Monitor loan portfolios and manage renewals.
- Follow up on overdue accounts to support timely recovery.
- Cross-sell consumer banking products and services.
- Maintain operational integrity, regulatory compliance, and risk management standards.