Berater/Beraterin für Immobilienfinanzierung

Publications relevant to this profession include AIZ - Das Immobilienmagazin, BANKMAGAZIN, BVI-Magazin, Der Finanzdienstleister, Der Platow Brief, Finance, Immobilien Zeitung, and Zeitschrift für das gesamte Kreditwesen.

Artificial Intelligence (AI) is increasingly used in the financial sector. Financial service providers are already using AI to evaluate large data volumes and offer tailor-made products and services to their customers. In digital asset management, chatbots and robo-advisors assist with customer inquiries, payments, or account information. In the future, they could support bank advisors in discussions with targeted information or facilitate securities trading with decision-making aids. Professionals in the financial sector will need to familiarize themselves with these developments. Digital Banking is also a significant trend. Bank professionals ensure an attractive customer experience by continuously adapting their advice to modern processes such as API-Banking, Open Banking, Banking-as-a-Service, or Embedded Finance. Communication via online channels is also an increasing part of their work. Banking transactions are constantly evolving, for example, via smartphones, mobile payment, and online loans.

Consultants for real estate financing usually work in offices and meeting rooms. They may also work in the field or from home/mobile.

Core competencies generally required in this profession include construction financing, building society business, credit assessment, financing, financial planning, real estate financing, credit business, and customer consulting/support. Other competencies that may be important for practicing this profession include acquisition, active business, banking and capital market law, balance sheet analysis, financial services consulting, financial economics, land registry law, mortgage business, real estate valuation, real estate purchase/sale, real estate law, cost and performance accounting, marketing, risk management/risk controlling, contract processing/administration, sales, and securities business.

Real estate financing consultants advise on construction financing and purchase properties in office or meeting rooms, and also on-site with clients during field service. They use communication and information media, know suitable financing and credit products, and check contract documents and land register excerpts. Consulting appointments also take place in the evening and, if necessary, on weekends. Real estate financing consultants handle tangible assets responsibly and ensure that in customer discussions, they not only sell the employer's products in a goal-oriented manner but also provide sound advice. They analyze the economic situation of customers and carefully calculate, for example, monthly installments, interest, and amortization amounts. Adherence to relevant laws and framework conditions and the discreet handling of confidential data are essential. Since consulting activities are central to their tasks, good specialized knowledge, service orientation, and sales skills are important.

Consultants for real estate financing can, for example, become self-employed as independent financing consultants.

An exemplary collective bargaining gross basic salary (monthly) ranges from 3,799 Euros to 4,342 Euros. This information is for orientation purposes only, and no claims can be derived from it. For current salary information, please check BERUFENET.

Banks, credit institutions, stock exchanges, and other financial institutions operate in this field. This includes central banks and credit institutions such as private credit institutions, banks, savings banks (Sparkassen), cooperative banks, and building societies (Bausparkassen). Activities related to financial services, such as service companies for real estate financing consulting, are also part of this sector.

Employers often expect an Ausbildung (vocational training) or Weiterbildung (further training) in banking or financial services.

Real estate financing consultants find employment in credit institutions, such as banks and direct banks, giro centers, savings banks (Sparkassen), and building societies (Bausparkassen). They can also work in financial consulting service companies.

The common job title for this profession is Real Estate Financing Consultant. It is also commonly known as Construction Financing Consultant.

Real estate financing consultants inform and support their clients in financing a new construction project or acquiring and modernizing an existing property.

Job and applicant portals such as asscompact, Bankingclub, BankingJobs.ch, eFinancialCareers, IZ-Jobs.de.

Associations and organizations including the Employers' Association of Private Banking e.V., BaFin Federal Financial Supervisory Authority, Federal Association of German Volksbanken and Raiffeisenbanken e.V. (BVR), Federal Association of Independent Real Estate and Housing Companies e.V., Federal Association of Mid-sized Insurance and Financial Brokers e.V. (BMVF), Federal Association of Public Banks of Germany (VÖB) e.V., GdW Federal Association of German Housing and Real Estate Companies e.V.

Adherence to diverse regulations and legal requirements (e.g., considering relevant laws, funding programs, and tax benefits). Customer contact (e.g., acquiring new clients and maintaining relationships). Responsibility for material assets (e.g., considering the economic situation of clients). Working under the scrutiny of clients and guests. Screen work (e.g., analyzing customer data and calculating financing options). Working in office spaces (e.g., advising clients on real estate financing). Irregular working hours (e.g., consultation meetings in the evening or on weekends).

Capital objects such as financing and credit products; documents and data such as financial product descriptions, advertising and information materials, contract documents, asset analyses, land register extracts, purchase agreements, balance sheets, customer data; office equipment such as PC, internet access, telephone, tablet, video conferencing tools are used.

Advisors for real estate financing arrange construction financing for individuals interested in building a property, or buying or modernizing an existing one. They inform and advise their clients either neutrally or about in-house products. Additionally, they determine financing needs and evaluate the property to be purchased. They also examine financial scope and develop suitable financing solutions to lead clients to contract conclusion, considering public funding programs. Furthermore, they acquire new clients and monitor developments in financial and capital markets.

Access to this profession is provided by roles such as Bank Clerk (Bankkaufmann/Bankkauffrau), Business Administrator (Fachschule) - Banking, Business Administrator (Fachschule) for Finance and Investment/Bachelor Professional in Economics, Certified Financial Services Advisor (Geprüfter Fachberater/Geprüfte Fachberaterin für Finanzdienstleistungen), Certified Bank Specialist (Geprüfter Bankfachwirt/Geprüfte Bankfachwirtin), Certified Specialist for Financial Consulting (Geprüfter Fachwirt für Finanzberatung/Geprüfte Fachwirtin für Finanzberatung), Certified Leasing Specialist (Geprüfter Leasingfachwirt/Geprüfte Leasingfachwirtin).

Adaptive professional development helps to keep professional knowledge up-to-date and adapt it to new developments (e.g., in the areas of financing types, investment consulting, or real estate economics). Furthermore, the trend towards using artificial intelligence, for example in personalized marketing or customer support, can become an important further training topic for real estate financing consultants.

Depending on prior professional education, further career opportunities open up through advanced professional training (e.g., as a specialist consultant for financial services or as a certified financial consulting expert) or a bachelor's degree (Studium) (e.g., in banking, financial services). Under certain conditions, studying is also possible without a general university entrance qualification. For more information: Access to higher education in the individual Bundesländer (federal states).

Advise and inform clients neutrally or about bank-specific real estate financing concepts; analyze clients' economic situation, financial needs, and goals; review property, construction, and location plans or land register entries of the target property; calculate, for example, loan amount, interest and repayment amounts, monthly installments, and commitment periods; inform about financing options and create individual financing concepts; prepare loan agreements or mediate with lenders; advise on public funds and promotional loans; build and maintain contacts, acquire new clients; organize and manage own sales activities; expand digital consulting services; stay informed about developments in financial and capital markets.

The following lists professions or activities that show similarities to the original profession. These professions represent a possible alternative for applicants. Furthermore, employers can consider individuals from these professions as alternatives for filling a position in the original profession. Some alternative professions only cover partial activities of the original profession; others require an induction period, which can vary in length depending on the individual case. The following immediate employment and staffing alternatives are available for the profession of real estate financing consultant: Job and staffing alternatives for the overall activity (usually short induction): Building Society Specialist (Bausparkassenfachmann/Bausparkassenfachfrau), Certified Specialist Consultant for Financial Services (Geprüfter Fachberater/Geprüfte Fachberaterin für Finanzdienstleistungen), Certified Financial Consulting Expert (Geprüfter Fachwirt für Finanzberatung/Geprüfte Fachwirtin für Finanzberatung), Certified Leasing Specialist (Geprüfter Leasingfachwirt/Geprüfte Leasingfachwirtin). In related professions: Investment Consultant (Anlageberater/Anlageberaterin), Commercial Client Advisor (Gewerbekundenberater).