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PEMInstitute.org: Table 1: All Designations, Certifications & Industry Classifications
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General
Certificate
Title		General Certificate
Acronym or term		General Organization BodyGeneral Industry Class*General Occupation TitleComparative General Occupation
Class (ISCO (International), SOC (USA), NOC (Canada), ANZSCO (Aus./NZ)		General Description
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Chartered Private Equity Mortgage Professional ™C-PEM ® -PIndividual NAICS 5222 Non-depository credit intermediation Non-depository credit intermediationUS/UKSIC 64.92/1 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors/ANZSIC 6230 Non-Depository FinancingChartered Peer-to-Peer & Private Equity Mortgage Professional ™SOC-11-3030 Financial Managers; NOC-0121 Insurance, real estate and financial brokerage managers; 0122 Banking, credit and other investment managers; UK SOC-1131 Financial managers and directors; ANZSCO-1322 Finance Managers; ISCO 08-1346 Financial and insurance services branch managers; Including: Some of the below classes, subject to accreditation.Any individual who earns a subspecialty designation also earns the C-PEM ® -P designation.
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Subspecialty
Certificate Title		Subspecialty DesignationSubspecialty Organization BodySubspecialty Industry Class*Subspecialty Occupation TitleSubspecialty
Occupation Class**		Subspecialty Description
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Chartered Peer-to-Peer & Private Equity Mortgage™ UnderwriterC-PEM ® -UCorporation or Individual52311 - Investment banking and securities dealing, 523110 - Investment banking and securities dealing (NAICS); Chartered Peer-to-Peer & Private Equity Mortgage™ UnderwriterSOC 13-2072 Loan Officers Correspondents/ NOC 1114 - Other financial officers, 1114.4 – Underwriters/UKSOC 3533 Mortgage Underwriter/ANZSCO 5522 Credit and Loans Officers (AUS) / Finance Clerks (NZ); ISCO 2008-3312 Credit and loans officersEvaluates (but does not originate) applicant mortgage requests in conformity to standards including industry de facto standards established by MQCC®: Generally Accepted Mortgage Underwriting Standards GAMUS™ (www.gamus.org); or international equivalent.
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Chartered Peer-to-Peer & Private Equity Mortgage™ LenderC-PEM ® -LCorporation or IndividualInvestor-Lender (NAICS 522292 Real Estate Credit /7229 Other Mortgage Companies/UKSIC 65223 Mortgage finance companies’ activities (other than
banks and building societies)/ANZIC 7330 Other Financiers )		Chartered Peer-to-Peer & Private Equity Mortgage™ LenderSOC 13-2072 Loan Officers Correspondents/ NOC 1114 - Other financial officers /UKSOC 3533 Mortgage Underwriter/ANZSCO 132211 Finance Manager; ISCO 08-4213 Pawnbrokers and money-lendersEvaluates (but does not originate) applicant mortgage requests provided to it for review by Chartered Peer-to-Peer & Private Equity Mortgage™ Brokers. Decides whether to fund a private equity mortgage or not. Funds mortgages with own money - does not syndicate money from other parties - does not trade in mortgages in the Tier 2 private mortgage secondary market. Uses private equity mortgages as a method for personal wealth accumulation. Is either a single individual or a private corporation (not partnership) and is registered on title/deed as mortgagee.
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Chartered Peer-to-Peer & Private Equity Mortgage™ InvestorC-PEM ® -ICorporation or IndividualInvestor-Lender (NAICS 522292 Real Estate Credit /7229 Other Mortgage Companies/UKSIC 65223 Mortgage finance companies’ activities (other than
banks and building societies)/ANZIC 7340 Financial Asset Investors )		Chartered Peer-to-Peer & Private Equity Mortgage™ Investor(No code for Investor: SOC/NOC/ANZSCO/ISCO)/ UKSOC 3534 Investor PrivateA permanent investor who purchases private equity mortgage instruments from Chartered Peer-to-Peer & Private Equity Mortgage™ Lenders. Is not interested in the applicant evaluation process, only the interest yield which it can capture by way of the monthly payments and discount. May purchase the mortgage at par, premium or a discount. Is either a single individual or a private corporation (not partnership) and registered on title/deed as mortgagee, by way of assignment or sale of original instrument.
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Chartered Peer-to-Peer & Private Equity Mortgage™
Bank (Top Management)		C-PEM ® -BankCorporationInvestor-Lender (NAICS 522292 Real Estate Credit /7229 Other Mortgage Companies/UKSIC 64922 Mortgage finance companies’ activities (other than
banks and building societies)/ANZIC 7330 Other Financiers)		Not ApplicableNot Applicable - this is a corporate entityAn organization that originates private equity mortgage transactions on it's own or evaluates applicant mortgage requests provided to it for review by Chartered Peer-to-Peer & Private Equity Mortgage™ Brokers. Decides whether to fund a private mortgage or not. Funds mortgages with own money. Trades in mortgages in the Tier 2 private equity mortgage secondary market. Uses private mortgages as a both a business and investment method. May not be registered on title/deed as mortgagee because it may sell the instrument to a Chartered Peer-to-Peer & Private Equity Mortgage™ Investor during the time the mortgage is being funded, prior to registration.
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Chartered Peer-to-Peer & Private Equity Mortgage™
Banker		C-PEM ® BankerIndividualInvestor-Lender (NAICS 522292 Real Estate Credit /7229 Other Mortgage Companies/ANZIC 7330 Other Financiers )Chartered Peer-to-Peer & Private Equity Mortgage™ BankerSOC 13-2072 Loan Officers /NOC 6235 Financial sales representatives/UKSOC 3534 Mortgage Arranger/ANZSCO 222299 Financial Dealers nec; ISCO 08-1346 Financial and insurance services branch managersEmployed by a Chartered Peer-to-Peer & Private Equity Mortgage™ Bank.
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Chartered Peer-to-Peer & Private Equity Mortgage™ BrokerageC-PEM ® -BCorporationLicensed Mortgage Broker (NAICS 522310 Mortgage and Nonmortgage Loan Brokers /7421 Mortgage Brokers/UKSIC 66190-67130 Mortgage broker activities/ANZIC 81430 Mortgage and Finance Brokering )Not ApplicableNot Applicable - this is a corporate entityOriginates and underwrites applicant private mortgage requests as an agent for Chartered Peer-to-Peer & Private Equity Mortgage™ Lenders or Chartered Peer-to-Peer & Private Equity Mortgage™ Bankers . Does not fund mortgages with own money.
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Qualified Peer-to-Peer & Private Equity Mortgage™ Advisor (Agent; Sub-broker)Q-PEM ® -AIndividualLicensed Mortgage Agent, sub-broker (NAICS 522310 Mortgage and Nonmortgage Loan Brokers /7421 Mortgage Brokers/UKSIC 66190-67130 Mortgage agent/ANZIC 81430 Mortgage and Finance Brokering )Qualified Private Equity Mortgage™ AdvisorSOC 13-2072 Loan
Officers, 43-4131 Closers, Mortgage Loan/NOC 0121 - Insurance, real estate and financial brokerage managers and 1114 - Other financial officers/ UKSOC 3532 Mortgage Broker - 3534 Mortgage Agent/ANZSCO 222112 Finance Broker/ISCO 08-3312 Credit and Loans Officers		Sales and marketing role to effect the origination of private mortgage transactions. Employed by Chartered Peer-to-Peer & Private Equity Mortgage Bankers or Brokers
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Chartered Peer-to-Peer & Private Equity Mortgage™
Correspondent Broker (intermediary)		C-PEM ® -CBIndividualLicensed Mortgage Agent, sub-broker (NAICS 522310 Mortgage and Nonmortgage Loan Brokers /7421 Mortgage Brokers/UKSIC 66190-67130 Mortgage agent/ANZIC 81430 Mortgage and Finance Brokering )Chartered Peer-to-Peer & Private Equity Mortgage™ Correspondent BrokerSOC 13-2072 Loan
Officers, 43-4131 Closers, Mortgage Loan/NOC 0121 - Insurance, real estate and financial brokerage managers and 1114 - Other financial officers/ UKSOC 3532 Mortgage Broker - 3534 Mortgage Agent/ANZSCO 222112 Finance Broker;ISCO 08-3311 Securities and Finance Dealers and Brokers		Sales and marketing role, wherein these persons refer private equity mortgage transactions to a CPEM industry member for underwriting and analysis.
A Correspondent Broker is licensed as a mortgage agent and is employed by either a non- Chartered Peer-to-Peer & Private Equity Mortgage Banker/Broker or Chartered Peer-to-Peer & Private Equity Mortgage Banker/Broker.
A Correspondent Broker would normally act for the borrower.
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Chartered Peer-to-Peer & Private Equity Mortgage Wealth Advisor™C-PEM ® Wealth AdvisorIndividual523930 Investment Advice/UKSIC 66.19 Other activities auxiliary to financial services, except insurance and pension funding/ANZIC 6419 Other Auxiliary Finance and Investment ServicesChartered Peer-to-Peer & Private Equity Mortgage™ Wealth AdvisorSOC 13-2052 Personal Financial Advisors/NOC 1114 - Other financial officers/UKSOC 3534: Finance and Investment Analysts and Advisers/ANZSCO 222311 Financial Investment Adviser/ISCO 08-2412 Financial and investment advisersAdvise clients on financial plans with the use of mortgages as the primary investment method; using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives.
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Chartered Peer-to-Peer & Private Equity Mortgage Lawyer™C-PEM ® LawyerIndividualLaw ProfessionChartered Peer-to-Peer & Private Equity Mortgage™ LawyerPracticing Attorney, JD, Lawyer, Solicitor, Barrister/ISCO 08-2611 LawyersProvides legal services in respect of private equity mortgage transactions for investors, lenders, borrowers or other parties.