Kristy Ruhkala
Roseville,CA
Summary
Dynamic Senior Loan Officer with extensive experience at Big Valley Mortgage, excelling in mortgage loan origination and client relationship management. Proven track record of fostering strong partnerships, resulting in high client satisfaction and repeat business. Adept at financial analysis and regulatory compliance, delivering tailored solutions that meet diverse client needs.
Overview
30
30
years of professional experience
Work History
Senior Loan Officer/Mortgage Advisor
Big Valley Mortgage
Roseville, CA
11.2012 - Current
- Provide comprehensive mortgage solutions to a diverse clientele, including first-time homebuyers, seasoned investors, and those seeking refinance options.
- Cultivate and maintain strong relationships with real estate agents and customers, generating consistent referrals and repeat business.
- Expertly analyze financial data, assess creditworthiness, income, and debt calculations, and guide clients through the loan application and approval process.
- Consistently maintained a high client satisfaction rating.
- Demonstrated in-depth knowledge of all current loan products and guidelines.
- Evaluate loan applications and conduct detailed analysis to recommend the most suitable loan program tailored to each customer's financial situation and goals.
- Educate clients on the loan process, ensuring clarity and reducing stress by providing step-by-step guidance and support.
Senior Loan Officer
Princeton Capital
Roseville, CA
05.2011 - 10.2012
- Originated and closed residential mortgage loans, adhering to strict compliance standards
- Developed and implemented effective strategies to attract and retain clients
- Provided exceptional customer service, ensuring a seamless and positive loan experience
Loan Officer
Sierra View Financial
Citrus Heights, CA
04.2002 - 05.2011
- Assisted clients in securing appropriate mortgage financing, tailoring loan products to individual needs
- Built a strong referral network through proactive relationship building and community engagement
- Maintained a thorough understanding of industry regulations and market trends
Market Development Specialist
News10-KXTV
Sacramento, CA
01.1995 - 03.2001
- Developed and implemented marketing strategies to increase market share and brand awareness
- Cultivated and maintained strong relationships with key clients and community leaders
- Demonstrated exceptional communication, sales, and presentation skills
Education
Degree - Public Relations And Business Administration
California State University, Chico
Chico, CA05-1990
Skills
- Mortgage Loan Origination
- Financial Analysis
- Client Relationship Management
- Sales and Marketing
- Communication and Negotiation
- Regulatory Compliance
- Self-Motivated and Goal-Oriented
- Strong Work Ethic
- Excellent Communication skills both written and verbal
- Credit evaluation
- Customer service
- Relationship building
- Networking skills
- Problem solving
- Attention to detail
- Ethical conduct adherence
- Credit assessment
- Sales pipeline maintenance
Key Qualities
23 years of proven experience in the mortgage industry., Deep knowledge of loan products, regulations, and market trends., Exceptional communication and relationship-building skills., Demonstrated ability to thrive in self-directed environments., Strong work ethic and commitment to client satisfaction., Proven long-term sales success and client relationship development., Excellent and sustained sales performance throughout a long-term career.
Affiliations
- Golf
- Gardening
- Traveling
- Camping and Hiking
- Family and Friend Time
- Walking dogs
- Working out
Timeline
Senior Loan Officer/Mortgage Advisor
Big Valley Mortgage
11.2012 - Current
Senior Loan Officer
Princeton Capital
05.2011 - 10.2012
Loan Officer
Sierra View Financial
04.2002 - 05.2011
Market Development Specialist
News10-KXTV
01.1995 - 03.2001
Degree - Public Relations And Business Administration
California State University, Chico
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