94 lines
3.1 KiB
Markdown
94 lines
3.1 KiB
Markdown
# Competences — pawnbroker
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Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/631aaef2-2d67-45c6-93a6-1b1abdf57542).
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## Essential
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- **analyse financial risk** (skill/competence)
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- **assess customer credibility** (skill/competence)
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- **collect customer data** (skill/competence)
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- **communicate with customers** (skill/competence)
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- **debt collection techniques** (knowledge)
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- **debt systems** (knowledge)
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- **decide on loan applications** (skill/competence)
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- **determine resale value of items** (skill/competence)
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- **estimate value of used goods** (skill/competence)
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- **handle financial transactions** (skill/competence)
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- **identify customer's needs** (skill/competence)
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- **maintain client debt records** (skill/competence)
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- **maintain records of financial transactions** (skill/competence)
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- **manage pawnshop inventory** (skill/competence)
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- **negotiate on asset value** (skill/competence)
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- **perform debt investigation** (skill/competence)
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## Optional
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- assess financial viability (skill/competence)
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- calculate value of gems (skill/competence)
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- credit control processes (knowledge)
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- enforce customer's debt repayment (skill/competence)
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- estimate value of musical instruments (skill/competence)
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- estimate value of used jewellery and watches (skill/competence)
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- obtain financial information (skill/competence)
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- perform market research (skill/competence)
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<!-- market-evidence -->
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## Market evidence (job-ad analysis, 6 ads, as of 2026-07-18)
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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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- customer service — **83 %**
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- loan processing — **33 %**
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- negotiation — **17 %**
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- pawn item evaluation — **17 %**
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- pawn item sales — **17 %**
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- product valuation — **17 %**
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- retail sales — **17 %**
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- sales promotion — **17 %**
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- staff training — **17 %**
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- cash handling — **17 %**
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- compliance procedures — **17 %**
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- inventory management — **17 %**
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- leadership — **17 %**
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- loan facilitation — **17 %**
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- loan negotiation — **17 %**
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- merchandise appraisal — **17 %**
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- merchandise evaluation — **17 %**
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- store supervision — **17 %**
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- team coaching — **17 %**
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### Methods
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- structured career path — **17 %**
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- paid training program — **17 %**
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### Responsibilities
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- team member supervision — **33 %**
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- team supervision — **17 %**
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- transaction assessment — **17 %**
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- transaction documentation — **17 %**
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- team leadership — **17 %**
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- product demonstration — **17 %**
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- stocking shelves — **17 %**
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- store management — **17 %**
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- sales promotion — **17 %**
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- pawn loan explanation — **17 %**
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- pawn transaction management — **17 %**
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- opening procedures — **17 %**
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- loan processing — **17 %**
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- merchandise preparation — **17 %**
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- jewelry testing — **17 %**
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- customer relationship building — **17 %**
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- closing procedures — **17 %**
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- customer service delivery — **17 %**
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- deal making — **17 %**
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- electronics testing — **17 %**
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- friendly environment maintenance — **17 %**
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- guest rapport building — **17 %**
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<!-- market-evidence -->
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