Hello,
It looks like small mole, benign growth like seborrheic keratosis or a HPV wart. Seborrheic keratosis is a benign skin growth and the cause is exactly not known but sunlight and hereditary predisposition have been proposed. The treatment methods employed are cryotherapy with carbon dioxide (dry ice) or liquid nitrogen, electrodesiccation, electrodesiccation and curettage, curettage alone, shave biopsy or excision using a scalpel, or a laser or dermabrasion surgery.
It is very difficult to precisely confirm a diagnosis without examination and investigations and the answer is based on the medical information provided. For exact diagnosis, you are requested to consult your doctor. I sincerely hope that helps. Take care and please do keep me posted on how you are doing.
Yes you should have it checked, If you are certain that it was not there before, any newly developed or changing freckles, moles, or "birthmarks" warrant a visit to your doctor to rule out skin cancer. Wishing you the best!