Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Rajwinder Kaur

Sacramento,CA

Summary

Dynamic Mortgage Loan Officer with over 80 successful loan closings at United Lending Partners. Expert in loan origination and financial analysis, fostering strong client relationships. Proven track record in navigating complex regulations while delivering exceptional customer service, ensuring compliance and satisfaction throughout the loan lifecycle.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

United Lending Partners
11.2020 - Current
  • Originated and closed 80+ residential mortgage loans over 5 years, managing the full loan lifecycle from initial client engagement to final closing.
  • Guided borrowers from initial application through closing, ensuring compliance with underwriting guidelines and regulatory standards.
  • Assessed clients' financial situations and matched them with appropriate loan products (FHA, VA, conventional, jumbo, etc.).
  • Built and maintained strong relationships with realtors, builders, and referral partners to generate ongoing business opportunities.
  • Coordinated with processors, underwriters, and escrow agents to ensure timely and efficient closings.

Real Estate Salesperson

United Realty Partners
11.2020 - Current
  • Represented buyers and sellers in 20+ residential real estate transactions, generating over $10 million in total sales volume.
  • Guided clients through the full real estate lifecycle — from property search and market analysis to contract negotiation and successful closing.
  • Conducted comparative market analyses (CMAs), property showings, listing presentations, and open houses to drive interest and maximize property exposure.
  • Built a strong referral network through exceptional client service, local market expertise, and consistent communication.
  • Partnered with mortgage lenders, title companies, inspectors, and contractors to ensure smooth and timely closings.

Production Lead

Tyco Electronics
04.2006 - 05.2020
  • Led continuous improvement initiatives that resulted in significant improvements in productivity and reduction of waste materials.
  • Ensured compliance with all relevant industry regulations, maintaining detailed documentation for audit purposes.
  • Collaborated with Quality Control teams to address any issues identified during inspections, implementing corrective actions as necessary to prevent reoccurrence.
  • Increased overall product quality by closely monitoring production processes and providing constructive feedback.

Education

Ph.D. - Clinical Psychology

Panjab University
Chandigarh, India
05-1995

Master of Philosophy - Psychology

Kurukshetra University
Kurukshetra, India
05-1990

Master of Arts - Pyschology

Kurukshetra University
Kurukshetra, India
05-1988

Bachelor of Arts - Psychology

Kurukshetra University
Kurukshetra, India
05-1986

Skills

  • Loan origination
  • Residential mortgage lending regulations
  • Document analysis
  • Financial analysis
  • Negotiation tactics
  • Loan application management
  • Customer service-focused
  • Creditworthiness determination
  • Microsoft office
  • Credit history review
  • Complaint handling
  • Interpersonal skills

Certification

  • NMLS Mortgage Loan Originator License
    NMLS ID: 1992170
    Licensed to originate residential mortgage loans in California.
  • California Real Estate Salesperson License
    License ID: 01736173
    Issued by: California Department of Real Estate (DRE)

Languages

English
Full Professional
Hindi
Native or Bilingual
Punjabi
Native or Bilingual

Timeline

Mortgage Loan Officer

United Lending Partners
11.2020 - Current

Real Estate Salesperson

United Realty Partners
11.2020 - Current

Production Lead

Tyco Electronics
04.2006 - 05.2020

Ph.D. - Clinical Psychology

Panjab University

Master of Philosophy - Psychology

Kurukshetra University

Master of Arts - Pyschology

Kurukshetra University

Bachelor of Arts - Psychology

Kurukshetra University

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