- Gardening
- Crafting and DIY Projects
- Wine Tasting
- I enjoy using my financial experience in mentoring people to increase their financial wellbeing
Kathleen Karner
Caro
Summary
Results-driven professional skilled in strategic visioning and operational efficiency. Committed to enhancing employee satisfaction and delivering innovative solutions that meet evolving customer needs.
Overview
42
42
years of professional experience
Work History
CEO
T & I Credit Union
Clawson, MI
04.2015 - 12.2025
- Led strategic initiatives to enhance organizational growth and member satisfaction.
- Oversaw financial performance, ensuring compliance with regulatory standards and industry best practices.
- Developed and implemented innovative products and services to meet evolving member needs.
- Fostered a culture of collaboration among teams to drive operational excellence and efficiency.
- Mentored executive team, promoting professional development and succession planning within the organization.
- Created a positive work culture, resulting in increased employee satisfaction and retention rates.
Loan Officer
T & I Credit Union
Clawson, MI
02.1984 - 12.2025
- Evaluated loan applications to determine eligibility and creditworthiness.
- Collaborated with clients to gather necessary documentation for loan processing.
- Provided detailed explanations of loan products and terms to customers.
- Enhanced approval processes by streamlining application workflows and reducing bottlenecks.
- Analyzed market trends to recommend adjustments in lending policies for competitive advantage.
- Established robust relationships with clients, leading to increased referrals and repeat business.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
Office Manager
T & I Credit Union
Clawson, MI
02.1984 - 03.2015
- Streamlined office operations to enhance workflow efficiency and improve staff productivity.
- Developed and implemented policies to ensure compliance with regulatory standards.
- Managed scheduling, coordinating meetings and events for executive leadership team.
- Oversaw budget management, optimizing resource allocation for operational needs.
- Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
- Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
- Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
- Served as a liaison between upper management and staff members, facilitating open channels of communication to address concerns or issues promptly.
- Kept high average of performance evaluations.
Education
High School Diploma -
Athens High School
Troy, MI01-1979
Skills
- Effective decision making
- Operational excellence
- Customer focus
- Strategic visioning
- Approachable leader
- Operational efficiency
- Proficient in Excel & Word Products
- Proficient in Keyboard
Interests
Timeline
CEO
T & I Credit Union
04.2015 - 12.2025
Loan Officer
T & I Credit Union
02.1984 - 12.2025
Office Manager
T & I Credit Union
02.1984 - 03.2015
High School Diploma -
Athens High School