63 lines
2.1 KiB
Markdown
63 lines
2.1 KiB
Markdown
# Competences — mortgage broker
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Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/3f277813-3cab-4c5d-bfeb-613e449b31c5).
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## Essential
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- **actuarial science** (knowledge)
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- **banking activities** (knowledge)
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- **collect property financial information** (skill/competence)
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- **credit control processes** (knowledge)
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- **decide on loan applications** (skill/competence)
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- **examine mortgage loan documents** (skill/competence)
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- **inform on interest rates** (skill/competence)
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- **interview bank loanees** (skill/competence)
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- **maintain client debt records** (skill/competence)
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- **maintain credit history of clients** (skill/competence)
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- **manage loan applications** (skill/competence)
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- **moderate in negotiations** (skill/competence)
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- **monitor loan portfolio** (skill/competence)
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- **mortgage loans** (knowledge)
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- **negotiate loan agreements** (skill/competence)
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- **obtain financial information** (skill/competence)
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- **property law** (knowledge)
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- **provide support in financial calculation** (skill/competence)
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- **real estate underwriting** (knowledge)
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- **securities** (knowledge)
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- **tax legislation** (knowledge)
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## Optional
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- analyse financial risk (skill/competence)
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- analyse loans (skill/competence)
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- assist in loan applications (skill/competence)
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- business loans (knowledge)
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- communicate with banking professionals (skill/competence)
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- consult credit score (skill/competence)
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- debt systems (knowledge)
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- examine credit ratings (skill/competence)
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- foreclosure (knowledge)
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- interpret financial statements (skill/competence)
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- protect client interests (skill/competence)
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- synthesise financial information (skill/competence)
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<!-- market-evidence -->
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## Market evidence (job-ad analysis, 44 ads, as of 2026-07-18)
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Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.
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### Hard skills
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- loan origination — **30 %**
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- sales — **27 %**
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- financial analysis — **20 %**
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- mortgage origination — **18 %**
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### Responsibilities
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- loan closing — **18 %**
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- client communication — **18 %**
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<!-- market-evidence -->
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