Around 22 years ago, our journey began with a fresh college graduate stepping into the world of finance as a Loan Officer in New Jersey. Armed with a degree in International Business, the word “MORTGAGE” seemed like a foreign language, let alone understanding its implications. Our early days were filled with what industry insiders call “cold calling,” reaching out to leads with basic information to initiate the credit assessment process, always with the client’s consent.

At the onset of this career, our knowledge was limited, and credit reports were a labyrinth we had yet to navigate. Learning from colleagues and occasionally feeling embarrassed about asking questions, we were determined to better serve our clients. With each day, we delved deeper into the credit industry, striving to comprehend every facet of credit, loans, and finance.