Nikki Karna
Rapid City,SD
Summary
Organized Mortgage Loan Officer with 2.5 years of experience in mortgage lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Collaborative Loan Originator for loans working with people of all levels of familiarity to make lending process run especially smoothly. Organized advisor with evolving awareness of loan options as arose in real-time and best fit based on applicant goals.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Assistant Financial Representative
Northwestern Mutual
Rapid City, SD
05.2023 - Current
- Improved financial reporting accuracy by streamlining data collection
Mortgage Loan Originator
Blue Ribbon Mortgage And Investments
Rapid City, SD
02.2020 - 05.2023
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
Real Estate Agent/Front Office Manager
Vip Properties
Rapid City, SD
01.2018 - 02.2020
- Optimized organizational systems for payment collections, AP/AR, deposits and recordkeeping.
- Completed bi-weekly payroll for employees.
- Maintained primary relationship accountability for clients, overall servicing responsibility and client satisfaction to maximize profitability of client relationships.
Real Estate Agent/Front Desk Associate
South Dakota Properties
Rapid City, SD
05.2017 - 01.2018
- Managed contracts, negotiations and all aspects of sales to finalize purchases and exceed customer expectations.
- Communicated with clients to understand property needs and preferences.
- Maintained connections with clients to encourage repeat business and referrals.
- Negotiated, facilitated and managed real estate transactions.
Commercial Loan Processor/Private Banking Assistant
First Interstate Bank
Rapid City, SD
12.2014 - 05.2017
- Communicated with customers daily to request information and complete paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Assembled important paperwork and disclosures for borrower.
- Monitored key dates to obtain information by deadlines.
Loan Specialist
Touchstone Financial
Rapid City, SD
02.2011 - 12.2014
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
Consumer Loan Officer
Mitchell Area Federal Credit Union
Mitchell
08.1999 - 10.2008
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
Education
Associate of Arts - Cosmetology
Stewarts School of Hairstyling
Sioux Falls, SD08.1992
Skills
NMLS Lending License and Real Estate License
Certification
- Licensed Loan Originator
Timeline
Assistant Financial Representative
Northwestern Mutual
05.2023 - Current
Mortgage Loan Originator
Blue Ribbon Mortgage And Investments
02.2020 - 05.2023
Real Estate Agent/Front Office Manager
Vip Properties
01.2018 - 02.2020
Real Estate Agent/Front Desk Associate
South Dakota Properties
05.2017 - 01.2018
Commercial Loan Processor/Private Banking Assistant
First Interstate Bank
12.2014 - 05.2017
Loan Specialist
Touchstone Financial
02.2011 - 12.2014
Consumer Loan Officer
Mitchell Area Federal Credit Union
08.1999 - 10.2008
Associate of Arts - Cosmetology
Stewarts School of Hairstyling