Loan Officer Real Estate, remote work

Karen Pauls

Spring, TX ***** 713-***-**** ***********@***.*** NMLS #823762

Professional Summary

Dynamic mortgage & financial services professional with 15+ years of experience in residential and commercial lending. Licensed loan officer with a unique background in law, claims management, and real estate, bringing exceptional skills in compliance, negotiations, and client service. Proven ability to originate, process, and close high-volume loans, strong understanding of closing, funding & post closing, capital markets & underwriting while delivering outstanding customer support and building lasting referral networks. Key Skills

Mortgage Origination & Processing

Refinance, FHA, VA, Conventional, DSCR, Fix & Flip Loans

Credit & Financial Analysis Property Valuations

Client Relationship Management & Referral Building

Risk, Fraud & Compliance Review

Contract Review & Negotiation

Leadership & Team Development

Strong Legal & Claims Investigation Background

Social media savvy- strategic outreach, content creation & follow up, track content

Loan delivery & quality control

Professional Experience

Mortgage Loan Officer

Limitless Lending & Investments, Houston, TX Aug 2025 – Present

Originate residential and commercial loans including purchase, refinance, DSCR, FHA, VA, jumbo, Conventional, Fix & Flip loans, Investment Loans.

Manage transactions end-to-end: insurance, title, appraisal, processing, and underwriting coordination.

Advise clients on loan structures, credit data, and underwriting requirements.

Self-source business through marketing, networking, and referral partnerships. Owner Project Manager

Dames Construction, Houston, TX Sep 2022 – Present

Manage commercial and residential construction projects including budgeting, scheduling, and contract negotiation.

Oversee legal documents, proposals, and risk management.

Provide property management, leasing, and maintenance services. Consultant, Financial Advisor, Mortgage Loan Officer Primerica Financial Services, Houston, TX Mar 2010 – Aug 2011; Jun 2024 – Aug 2025

Conducted financial needs analyses and advised clients on mortgages, insurance, and retirement planning.

Recruited, trained, and mentored new associates. Executive Durable Medical Equipment

Chism Group Inc. (Direct Medical Inc.), Houston, TX 2019 – Aug 2022

Directed operations including billing, accounts receivable/payable, HR, marketing, and supply chain.

Managed Medicaid and healthcare claims, ensuring compliance with regulations. Mortgage Consultant

Synergy One Lending Jan 2018 – 2019

Capital One Mortgage Nov 2015 – Jan 2018

Bank of Texas Mortgage Sep 2011 – Nov 2015

Originated and closed high-volume residential mortgages as part of a top-producing Houston team.

Partnered with clients, realtors, and title companies to streamline the loan process.

Delivered superior customer service and maintained strong referral relationships. Attorney & Claims Specialist (Earlier Career)

Cilliers Attorneys (Director), Mouton Cilliers Attorneys (Partner), South Africa 1997 – 2007

Directed complex litigation and settlement negotiations in tort, liability, disability, and workers’ compensation cases.

Investigated, evaluated, and resolved high-value claims with strict attention to compliance and fraud detection. Franchise Owner & Realtor

Topp Properties Real Estate Agency, South Africa 2004 – 2007

Founded and managed real estate franchise, guiding buyers from mortgage pre-qualification to closing. Education & Licenses

LLB (Law) Degree and BCom Law Degree– University of Johannesburg (previously RAU), South Africa

(equivalent to BA Law Degree & BA Business Degree)

NMLS Licensed Mortgage Loan Officer (#823762)

Texas All Lines Adjuster License (#1676958)

Texas Life & Health Insurance License (#1621032)

Texas For-Profit Legal License (#92334)

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