---
name: pawnbroker
description: "Occupational skill for the role 'pawnbroker' (also: pawnshop manager, loaner, pawn broker, pawn agent, pawnshop operator, pawnshop owner). Use when the user asks for typical pawnbroker work such as: typical pawnbroker responsibilities"
---

# Pawnbroker

Pawnbrokers offer loans to clients by securing them with personal objects or items. They assess the personal items given in exchange for the loan, they determine their value and amount of loan available and keep track of inventory assets.

## Core workflow


## How to use this skill

- Read [references/profile.md](references/profile.md) for the occupation profile and scope.
- Consult [references/tasks.md](references/tasks.md) for the full task and activity inventory.
- Check [references/skills.md](references/skills.md) for essential vs. optional competences.
- Check [references/tools.md](references/tools.md) for the software commonly used in this role.
- See [references/ai-skills.md](references/ai-skills.md) — matched external AI agent skills (per-source attribution).

## Key competences (essential)

- analyse financial risk
- assess customer credibility
- collect customer data
- communicate with customers
- debt collection techniques
- debt systems
- decide on loan applications
- determine resale value of items
- estimate value of used goods
- handle financial transactions
- identify customer's needs
- maintain client debt records
- maintain records of financial transactions
- manage pawnshop inventory
- negotiate on asset value

## Hot technologies

- Apache Hadoop
- Apache Spark
- Microsoft Excel
- Microsoft Office software
- Slack

---
*Sources: ESCO v1.2.1 (http://data.europa.eu/esco/occupation/631aaef2-2d67-45c6-93a6-1b1abdf57542), O*NET 30.3 (39-3011.00, manual nearest match). See manifest.json for licensing/attribution.*