331202 - Mortgage specialist

Advises on real estate mortgages, ensures the fulfillment of existing or future property obligations, when the mortgaged property is not transferred to the creditor and the mortgagor (borrower) retains the right to manage, use, and dispose of it, taking into account the rights of the mortgage creditor. Unless otherwise provided for in the mortgage contract, the mortgaged object, except for land, must be insured.

Main activities

* assess the financial situation of clients, including income, assets, and debt obligations;
* prepare credit applications and submit them to credit institutions;
* provide advice to clients on mortgage loan selection;
* communicate with credit institutions and other finance and insurance specialists;
* monitor the market and follow new mortgage loan products.

Characteristic competences

* know the financial market and credit ratings;
* analyze financial data;
* understand risk management;
* communicate with clients;
* provide well-founded advice to clients.