# Competences — mortgage broker

Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/3f277813-3cab-4c5d-bfeb-613e449b31c5).

## Essential

- **actuarial science** (knowledge)
- **banking activities** (knowledge)
- **collect property financial information** (skill/competence)
- **credit control processes** (knowledge)
- **decide on loan applications** (skill/competence)
- **examine mortgage loan documents** (skill/competence)
- **inform on interest rates** (skill/competence)
- **interview bank loanees** (skill/competence)
- **maintain client debt records** (skill/competence)
- **maintain credit history of clients** (skill/competence)
- **manage loan applications** (skill/competence)
- **moderate in negotiations** (skill/competence)
- **monitor loan portfolio** (skill/competence)
- **mortgage loans** (knowledge)
- **negotiate loan agreements** (skill/competence)
- **obtain financial information** (skill/competence)
- **property law** (knowledge)
- **provide support in financial calculation** (skill/competence)
- **real estate underwriting** (knowledge)
- **securities** (knowledge)
- **tax legislation** (knowledge)

## Optional

- analyse financial risk (skill/competence)
- analyse loans (skill/competence)
- assist in loan applications (skill/competence)
- business loans (knowledge)
- communicate with banking professionals (skill/competence)
- consult credit score (skill/competence)
- debt systems (knowledge)
- examine credit ratings (skill/competence)
- foreclosure (knowledge)
- interpret financial statements (skill/competence)
- protect client interests (skill/competence)
- synthesise financial information (skill/competence)

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## Market evidence (job-ad analysis, 44 ads, as of 2026-07-18)

Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.

### Hard skills

- loan origination — **30 %**
- sales — **27 %**
- financial analysis — **20 %**
- mortgage origination — **18 %**

### Responsibilities

- loan closing — **18 %**
- client communication — **18 %**

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