Table 1Transition record

personal trust officertoforeclosure specialist

A personal trust officer already meets 35% of what the foreclosure specialist role asks for. The move turns on 8 required skills not yet in the profile.

From personal trust officer

35%

Overlap1

To foreclosure specialist

7 Skills carried over

8 Required, not held

60.8 Difficulty2

Career overlap Distant match

35%

Learning distance Substantial retraining

60.8/ 100

Easy adjacentmoderatesubstantialcareer change Hard

1 Share of the foreclosure specialist role’s weighted skill requirement already met by the personal trust officer profile. Required skills count in full, supplementary skills at 0.35. Directional: the figure for the reverse move differs. 2 Combines what is missing with how specialised it is, so a gap of general skills scores easier than the same number of narrow ones.

Why

Why this move works

A foreclosure specialist role treats 7 of its required skills as things a personal trust officer already does. These are the ones it depends on most.

analyse financial risk
collect property financial information
handle financial disputes
obtain financial information
property law
protect client interests

What stands in the way is 8 required skills the profile does not yet cover. Table 3 groups them; Table 4 says which to take first.

Table 2

Table 2 · What you already bring

Of the 7 skills that carry over, these are the ones fewest other occupations ask for. A foreclosure specialist role needs them, and most people applying for one will not have them already. This is the part of a personal trust officer background worth leading with.

Skill the target role also needs Area

already held handle financial disputes communication, collaboration and creativity
already held collect property financial information information skills
already held property law business, administration and law
already held provide support in financial calculation information skills
already held protect client interests communication, collaboration and creativity
already held obtain financial information information skills

All 7 carried skills, including the 7 the foreclosure specialist role treats as required.

Table 3

Table 3 · What you would need to learn

The 22 missing skills fall into 4 areas of the ESCO skill hierarchy, numbered below in the order worth working in: the areas carrying the most required skills come first, and inside each one the required skills sit above the supplementary ones.

Skill to acquire Tier

01 information skills 3 required, 5 supplementary

required, not held analyse loans required
required, not held assess debtor's financial situation required
required, not held examine mortgage loan documents required

optional, not held consult credit score optional
optional, not held perform property market research optional
optional, not held compare property values optional
optional, not held perform debt investigation optional
optional, not held value properties optional

02 business, administration and law 3 required, 4 supplementary

required, not held foreclosure required
required, not held mortgage loans required
required, not held real estate market required

optional, not held banking activities optional
optional, not held debt systems optional
optional, not held insolvency law optional
optional, not held repossession optional

03 communication, collaboration and creativity 1 required, 5 supplementary

required, not held communicate with banking professionals required

optional, not held advise on conflict management optional
optional, not held advise on property value optional
optional, not held apply conflict management optional
optional, not held interview bank loanees optional
optional, not held provide information on properties optional

04 management skills 1 required

required, not held create a financial plan required

Table 4

Table 4 · Where to start

The 3 entries a foreclosure specialist role is least likely to hire without. The ordering is computed from the skill data, not from what pays.

Each entry opens a course search for that skill. Career Overlap earns nothing from these links.

Appendix

Appendix · The rest of the record

All 7 skills that carry over

Skill Type

already held analyse financial risk skill
already held collect property financial information skill
already held handle financial disputes skill
already held obtain financial information skill
already held property law knowledge
already held protect client interests skill
already held provide support in financial calculation skill

14 supplementary skills, helpful but not required

Skill to acquire Tier

optional, not held consult credit score optional
optional, not held perform property market research optional
optional, not held advise on conflict management optional
optional, not held advise on property value optional
optional, not held apply conflict management optional
optional, not held banking activities optional
optional, not held compare property values optional
optional, not held debt systems optional
optional, not held insolvency law optional
optional, not held interview bank loanees optional
optional, not held perform debt investigation optional
optional, not held provide information on properties optional
optional, not held repossession optional
optional, not held value properties optional

23 held skills the foreclosure specialist role does not ask for

Skill Type

not needed by the target role accounting techniques knowledge
not needed by the target role actuarial science knowledge
not needed by the target role advise on financial matters skill
not needed by the target role apply technical communication skills skill
not needed by the target role communicate with beneficiaries skill
not needed by the target role conduct financial audits skill
not needed by the target role develop investment portfolio skill
not needed by the target role examine trusts skill
not needed by the target role financial products knowledge
not needed by the target role handle financial transactions skill
not needed by the target role identify clients' needs skill
not needed by the target role investment analysis knowledge
not needed by the target role maintain relationship with customers skill
not needed by the target role maintain trusts skill
not needed by the target role monitor title procedures skill
not needed by the target role prepare financial statements skill
not needed by the target role prepare tax returns forms skill
not needed by the target role promote financial products skill
not needed by the target role register deeds skill
not needed by the target role research taxation procedures skill
not needed by the target role review investment portfolios skill
not needed by the target role securities knowledge
not needed by the target role tax legislation knowledge

7 gaps that are knowledge rather than practice

Knowledge gaps usually close through study. Practical skill gaps usually need something you can point at.

Skill to acquire Tier

required, not held foreclosure required
required, not held mortgage loans required
required, not held real estate market required
optional, not held banking activities optional
optional, not held debt systems optional
optional, not held insolvency law optional
optional, not held repossession optional

Index

Other moves recorded from personal trust officer

Full index of moves from personal trust officer

Note

How this record was compiled

Both occupations are taken from ESCO, which lists the skills and knowledge each occupation is expected to have and marks every one required or optional. Nothing here is a prediction about hiring, and nothing here knows that a particular employer wants a particular certificate. Treat Table 3 as a starting point for your own research rather than a syllabus. The full method states what these figures can and cannot tell you.