# Competences — relationship banking manager

Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/d96de969-d43d-4082-8559-7fc35484a217).

## Essential

- **advise on financial matters** (skill/competence)
- **advise on investment** (skill/competence)
- **apply technical communication skills** (skill/competence)
- **consult credit score** (skill/competence)
- **core banking software** (knowledge)
- **corporate social responsibility** (knowledge)
- **create a financial plan** (skill/competence)
- **customer service** (knowledge)
- **enforce financial policies** (skill/competence)
- **financial analysis** (knowledge)
- **financial jurisdiction** (knowledge)
- **financial management** (knowledge)
- **financial markets** (knowledge)
- **financial products** (knowledge)
- **financial statements** (knowledge)
- **follow company standards** (skill/competence)
- **identify customer's needs** (skill/competence)
- **liaise with managers** (skill/competence)
- **maintain relationship with customers** (skill/competence)
- **obtain financial information** (skill/competence)
- **offer financial services** (skill/competence)
- **prospect new customers** (skill/competence)
- **provide cost benefit analysis reports** (skill/competence)
- **provide financial product information** (skill/competence)
- **strive for company growth** (skill/competence)

## Optional

- accounting techniques (knowledge)
- advise on credit rating (skill/competence)
- analyse business plans (skill/competence)
- analyse financial performance of a company (skill/competence)
- analyse financial risk (skill/competence)
- analyse market financial trends (skill/competence)
- apply credit risk policy (skill/competence)
- assist in loan applications (skill/competence)
- build business relationships (skill/competence)
- business loans (knowledge)
- business management principles (knowledge)
- communicate with banking professionals (skill/competence)
- conduct financial audits (skill/competence)
- economics (knowledge)
- ensure compliance with company regulations (skill/competence)
- examine credit ratings (skill/competence)
- foreign valuta (knowledge)
- inform on interest rates (skill/competence)
- manage financial risk (skill/competence)
- monitor loan portfolio (skill/competence)
- monitor stock market (skill/competence)
- mortgage loans (knowledge)
- negotiate with stakeholders (skill/competence)
- operate financial instruments (skill/competence)
- plan health and safety procedures (skill/competence)
- present reports (skill/competence)
- principles of insurance (knowledge)
- relationship marketing (knowledge)
- securities (knowledge)
- tax legislation (knowledge)
- types of insurance (knowledge)

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## Market evidence (job-ad analysis, 43 ads, as of 2026-07-19)

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

### Hard skills

- business development — **60 %**
- risk management — **47 %**
- credit analysis — **40 %**
- financial analysis — **33 %**
- financial statement analysis — **30 %**
- loan structuring — **28 %**
- commercial lending — **28 %**
- relationship management — **23 %**
- sales — **21 %**
- portfolio management — **19 %**

### Responsibilities

- cross-selling — **26 %**
- portfolio management — **23 %**
- prospecting — **19 %**

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