Работник ломбарда — работа в Финляндии
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.
Работник ломбарда - Какие навыки обязательны?
Respond to and communicate with customers in the most efficient and appropriate manner to enable them to access the desired products or services, or any other help they may require.
preserve a list with the debt records of clients and update it regularly
The techniques and principles used to collect overdue debt from customers.
Take into account the risk assessment and analysis and perform the final reviewing of the loan application in order to approve or deny the loan, and set in motion the necessary procedures following the decision.
Collate all the financial transactions done in the daily operations of a business and record them in their respective accounts.
Use appropriate questions and active listening in order to identify customer expectations, desires and requirements according to product and services.
Examine items owned by an individual in order to determine its current price by assessing damage and taking into account the original retail price and the current demand for such items.
Use research techniques and tracing strategies to identify overdue payment arrangements and address them
Monitor the current inventory of the pawnshop and ensure that there are never too many or too few items present in the inventory. Adapt pawnshop procedures in order to optimise the inventory status.
Collect customer data such as contact information, credit card or billing information; gather information to track down purchase history.
The processes needed to obtain goods or services before payment and when a sum of money is owed or overdue.
Negotiate with asset owners or parties involved in handling the asset on the monetary value of the asset for selling, insurance, usage as collatoral, or other purposes, in order to secure the most financially beneficial agreement for the client.
Communicate with customers to assess whether their true intentions are in line with what they claim in order to eliminate any risks from a potential agreement with the customer.
Identify and analyse risks that could impact an organisation or individual financially, such as credit and market risks, and propose solutions to cover against those risks.
Examine items to search for any damages or signs of deterioration and take into account the current demand for used goods of the item's nature in order to set a likely price at which the item can be resold, and to determine the manner in which the item can be sold.
Administer currencies, financial exchange activities, deposits as well as company and voucher payments. Prepare and manage guest accounts and take payments by cash, credit card and debit card.
Работник ломбарда - Какие навыки полезны, но не обязательны?
Identify new or second hand musical instruments and estimate the market value of them based on professional judgment and knowledge of musical instruments, or subject them to estimation by a third party.
Gather information on securities, market conditions, governmental regulations and the financial situation, goals and needs of clients or companies.
Monitor customers to pay all debts and amounts due; negotiate return of merchandise.
Determine appraised value of gemstones such as diamonds and pearls; study price guides, market fluctuations and grades of rarity.
Assess used metal (gold, silver) and gems (diamonds, emeralds) based on age and current market rates.
The various techniques and procedures applied to ensure that credit is given to the suitable customers and that they pay on time.
Revise and analyse financial information and requirements of projects such as their budget appraisal, expected turnover, and risk assessment for determining the benefits and costs of the project. Assess if the agreement or project will redeem its investment, and whether the potential profit is worth the financial risk.
Gather, assess and represent data about target market and customers in order to facilitate strategic development and feasibility studies. Identify market trends.