---
esco_uri: http://data.europa.eu/esco/skill/36570124-e778-4213-862e-c4059eb5c224
esco_label: "assess debtor's financial situation"
relation: optional
onet_soc: 13-2052.00
source: model-knowledge
confidence: high
qa_count: 0
generator: gemma3:27b (prompt-designed and spot-checked by Claude)
generated: 2026-07-10
---

# assess debtor's financial situation — Financial Advisor

As a Financial Advisor, 'assessing a debtor's financial situation' isn’t about collections – it’s foundational for *responsible* advice, especially when clients are struggling with debt or considering strategies like consolidation or bankruptcy alternatives. Daily this means going beyond stated income; you're digging into pay stubs (verifying consistency), bank statements (identifying spending patterns & hidden assets/liabilities), and credit reports (understanding existing obligations). It’s about building a *complete* picture, not just accepting what the client presents. We need to understand if debt is due to temporary hardship or chronic overspending.

## Weitere Anreicherung

Stage-2 source for future practitioner grounding: EconStor (open-access economics/finance literature).
