Karen Penner

Licensed Mortgage Broker

Mortgage Connection

Calgary, Alberta

06.2011 - Current

Consulted clients to assess mortgage needs and provide tailored solutions.
Analyzed financial documents to determine eligibility for mortgage applications.
Coordinated with lenders to secure competitive mortgage rates for clients.
Educated clients on mortgage options and the loan process effectively.
Managed timelines for mortgage applications to ensure timely closings.
Developed strong relationships with real estate agents for referrals and partnerships.
Resolved client inquiries and issues throughout the mortgage process promptly.
Maintained compliance with industry regulations and company policies diligently.
Reviewed client's current financial situation to determine best loan options available to them.
Evaluated customer's ability to repay loans by analyzing income statements, tax returns.
Provided guidance on home buying process from pre-qualification through closing.
Ensured compliance with all relevant federal and state laws governing residential mortgage lending.
Maintained accurate records of all documents pertaining to each loan transaction.
Explained the features of various loan products such as fixed-rate mortgages or adjustable rate mortgages.
Developed and maintained relationships with clients, lenders, and other professionals in the mortgage industry.
Advised clients on strategies for reducing their debt load prior to applying for a mortgage loan.
Assisted customers throughout the entire loan application process up until successful completion.
Processed loan applications, verified creditworthiness of borrowers, and collected supporting documentation.
Negotiated favorable terms for clients with lenders based on financial history and credit score.
Monitored changes in interest rates, economic indicators, and housing markets to provide informed advice.