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PT Bank Amar Indonesia Tbk is a participant in LPS guarantee, licensed and supervised by OJK.
The Role
The Appraisal Staff will conduct asset appraisals, ensure compliance with regulations, assess collateral quality, and provide detailed risk assessments while managing appraisal reports.
Summary Generated by Built In
Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange.
How did we manage to do that?
We are changing people’s perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, ‘A technology company with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
How did it all start?
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku.
Our philosophy, mission, and vision
Technology must impact lives, must improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles.
More about the bank with startup culture environment
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded “Best Place to Work in Indonesia”.Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
This position will replace the current Appraisal Staff who will resign by the end of this October, this person will report to Appraisal Team Lead, Credit Legal and Appraisal Circle Lead, as well as Legal and Litigation Function Head. The expectation shall include the one that has experience in, including but not limited to having extensive experience in various aspects of appraisal and valuation processes such as real estate, machinery, financial instruments, securities, and familiarity with different appraisal methodologies, such as cost, income, and market-based approaches, as well as discounted cash flow (DCF) analysis for more complex assets.
Responsibilities:
- Conduct surveys and manage the appraisal of assets, including real estate, collateral, financial instruments, and other tangible or intangible assets that are part of the bank’s lending and investment portfolios.
- Ensure all valuations comply with internal policies, legal standards, and market conditions.
- Work closely with the internal functions to evaluate borrowers' creditworthiness and assess the collateral's quality and sufficiency.
- Provide detailed risk assessments to support credit decision-making, ensuring all potential risks are identified and mitigated.
- Ensure that the appraisal process complies with all relevant regulations, such as Bank Indonesia regulations, OJK (Otoritas Jasa Keuangan) guidelines, and internal compliance requirements at Bank Amar.
- Ensure the accuracy and quality of appraisal reports before submission to the credit committee or senior management.
- Oversee the preparation of detailed appraisal reports that outline the valuation methodologies used, risk assessments, and recommendations.
Requirements:
- Minimal Bachelor's degree in finance, economics, accounting, real estate, business administration, or a related field from a reputable University or equivalent
- Minimum 2 years of experience in asset valuation, appraisal, credit risk assessment, or a related field, preferably within the banking or financial services industry. (Experience in the Banking industry will be an advantage)
- Proven experience in managing appraisal processes for large or complex transactions, especially in a high-stakes environment.
- High sense of responsibility and able to work under short deadlines and fast-paced environment
- Can work individually or as a team player, strong sense of integrity and confidentiality; strong work commitment
- Good interpersonal skills, negotiation, and analytical thinking and proficient in English
Top Skills
Appraisal Methodologies
Financial Instruments
Investment Portfolios
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The Company
What We Do
Amar Bank is transforming banking for the digital era since 2014. We're all about supporting small businesses and those who don't have access to conventional banks. Our AI and cloud technology hooks you up with personalized ways to save, pay, and handle your finances.
Meet our star player: Tunaiku! As of 2023, Tunaiku has served more than 14 million loan applicants, enabling those who are in need to access over IDR 9 trillion loans.
At Amar Bank, we aim to make a meaningful impact on the lives of our customers. Get ready to level up with our epic innovations!
PT Bank Amar Indonesia Tbk is a participant in LPS guarantee, licensed and supervised by OJK.
