Dedicated loan officer with broad expertise in real estate and crafting optimal financial plans for all clients. Skilled at reviewing applications and completing meticulous inspections. Seasoned Mortgage Loan Officer with comprehensive understanding of loan origination, processing and closing procedures. Skilled in building strong relationships with clients to understand needs and provide appropriate financial solutions. Demonstrated track record in achieving lending goals while maintaining strict compliance with regulatory standards. Success noted in improving application approval rates through insightful risk assessment and thorough documentation review.
Hi, I’m
Kari Havenar
Summary
Overview
7
years of professional experience
1
Certification
Work History
Mortgage Solutions FinancialColorado Springs, CO
Mortgage Loan Officer
04.2020 - 11.2024
Job overview
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Gathered client debt, credit and income information to determine loan eligibility.
- Evaluated and approved loan applications based on established criteria.
- Identified valuable solutions for customers with credit problems.
- Educated clients on the implications of changes in mortgage rates.
- Complied applications and paperwork and double-checked for accuracy.
- Guided applicants through the loan process, from application to closing.
- Negotiated terms and conditions of loan agreements with borrowers.
- Developed and maintained relationships with local real estate agents.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Coordinated with underwriters for loan approval and final decision-making.
- Completed day-to-day duties accurately and efficiently.
Total Lending ConceptsColorado Springs, CO
Mortgage Loan Officer
03.2018 - 03.2021
Job overview
- Helped clients fill out loan applications and find ideal loan options.
- Monitored market conditions related to interest rates, regulatory changes.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Negotiated terms of loans with borrowers or their representatives while adhering to company policies and procedures.
- Coordinated with underwriters for loan approval and final decision-making.
- Informed customers of application deadlines, approvals and denials.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Education
Fashion Institute of Design & MerchandisingLos Angeles, CA
Associate of Arts from Merchandise Marketing
07-1991
University Overview
Skills
- Transaction coordination
- Documentation review
- Client Relationship Management
- Excellent communication
- Organization and time management
- Credit assessment
- Database management
Certification
- Kaplan Professional Real Estate School 2016
- Kaplan Professional Loan Origination School 2009
- Kaplan Professional School for Home, Health, Life and Auto Insurance 2007
- FNMA Housing Finance Institute
- VanEd Real Estate School MO 2024
- Missouri Bankers Association Seminar
Timeline
Mortgage Loan Officer
Mortgage Solutions Financial
04.2020 - 11.2024
Mortgage Loan Officer
Total Lending Concepts
03.2018 - 03.2021
- Kaplan Professional Real Estate School 2016
- Kaplan Professional Loan Origination School 2009
- Kaplan Professional School for Home, Health, Life and Auto Insurance 2007
- FNMA Housing Finance Institute
- VanEd Real Estate School MO 2024
- Missouri Bankers Association Seminar
Fashion Institute of Design & Merchandising
Associate of Arts from Merchandise Marketing
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