93 lines
3.3 KiB
Markdown
93 lines
3.3 KiB
Markdown
# Competences — relationship banking manager
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Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/d96de969-d43d-4082-8559-7fc35484a217).
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## Essential
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- **advise on financial matters** (skill/competence)
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- **advise on investment** (skill/competence)
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- **apply technical communication skills** (skill/competence)
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- **consult credit score** (skill/competence)
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- **core banking software** (knowledge)
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- **corporate social responsibility** (knowledge)
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- **create a financial plan** (skill/competence)
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- **customer service** (knowledge)
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- **enforce financial policies** (skill/competence)
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- **financial analysis** (knowledge)
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- **financial jurisdiction** (knowledge)
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- **financial management** (knowledge)
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- **financial markets** (knowledge)
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- **financial products** (knowledge)
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- **financial statements** (knowledge)
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- **follow company standards** (skill/competence)
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- **identify customer's needs** (skill/competence)
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- **liaise with managers** (skill/competence)
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- **maintain relationship with customers** (skill/competence)
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- **obtain financial information** (skill/competence)
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- **offer financial services** (skill/competence)
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- **prospect new customers** (skill/competence)
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- **provide cost benefit analysis reports** (skill/competence)
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- **provide financial product information** (skill/competence)
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- **strive for company growth** (skill/competence)
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## Optional
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- accounting techniques (knowledge)
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- advise on credit rating (skill/competence)
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- analyse business plans (skill/competence)
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- analyse financial performance of a company (skill/competence)
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- analyse financial risk (skill/competence)
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- analyse market financial trends (skill/competence)
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- apply credit risk policy (skill/competence)
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- assist in loan applications (skill/competence)
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- build business relationships (skill/competence)
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- business loans (knowledge)
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- business management principles (knowledge)
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- communicate with banking professionals (skill/competence)
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- conduct financial audits (skill/competence)
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- economics (knowledge)
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- ensure compliance with company regulations (skill/competence)
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- examine credit ratings (skill/competence)
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- foreign valuta (knowledge)
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- inform on interest rates (skill/competence)
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- manage financial risk (skill/competence)
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- monitor loan portfolio (skill/competence)
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- monitor stock market (skill/competence)
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- mortgage loans (knowledge)
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- negotiate with stakeholders (skill/competence)
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- operate financial instruments (skill/competence)
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- plan health and safety procedures (skill/competence)
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- present reports (skill/competence)
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- principles of insurance (knowledge)
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- relationship marketing (knowledge)
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- securities (knowledge)
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- tax legislation (knowledge)
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- types of insurance (knowledge)
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<!-- market-evidence -->
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## Market evidence (job-ad analysis, 43 ads, as of 2026-07-19)
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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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- business development — **60 %**
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- risk management — **47 %**
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- credit analysis — **40 %**
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- financial analysis — **33 %**
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- financial statement analysis — **30 %**
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- loan structuring — **28 %**
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- commercial lending — **28 %**
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- relationship management — **23 %**
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- sales — **21 %**
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- portfolio management — **19 %**
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### Responsibilities
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- cross-selling — **26 %**
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- portfolio management — **23 %**
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- prospecting — **19 %**
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<!-- market-evidence -->
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