Yintoni eyakutsalela kwishishini le-mortgage?



Ndandinetshomi endandifunda nayo ehigh school eyayisebenza kwenye imortgage company, yandifowunela yathi inomsebenzi ovulayo njenge receptionist. Ndandihlala kuMazantsi eKhalifoniya, ndisiya kwizifundo zasekholejini zangokuhlwa kwaye ndisebenza kwindawo ethengisa iimoto ezisele zisetyenzisiwe, yaye ngomdla ndenza utshintsho kwisikhundla sokwamkela iindwendwe. Ndandinomdla kwishishini lemali-mboleko, ngoko nanini na kuvela ithuba elitsha lokutshintsha izikhundla kwinkampani, ndandiba litsha-ntliziyo. Ngokuhamba kwexesha, ndafunda izinto zeshishini le-mortgage, ukusuka ekuthengiseni nasekuqhubeni iimali-mboleko ukuya kwiinkongozelo. Ndayishiya le nkampani emva kweminyaka emihlanu ndaza ndasebenza kwezinye iinkampani zokubambisa.

Ngowe-1971, ndafumana isikhundla kwiMason-McDuffie Mortgage ekuMazantsi eKhalifoniya ngaphambi kokuba ndifudukele kwiofisi yabo yeshishini eBerkeley. I-Mortgage ye-Mason-McDuffie iye yazalwa kathathu kule minyaka idlulileyo njengoko inkampani ithengisiwe kwaye yathengwa, kwaye ndibe yinxalenye yabo bobathathu. Ndabuyela njengoSekela Mongameli oLawulayo weMisebenzi, ndanyuselwa kwiGosa eliyiNtloko lezeMisebenzi, emva koko ndaba liGosa eliyiNtloko lesiGqeba ngo-2009.





Ngo-1979, ube liqabane lokuqala elibhinqileyo le-Mason-McDuffie Mortgage. Luhlobo olunjani lwenkcaso oye wajamelana nalo ekuqaleni?

Ubambiswano lokuqala lwenziwe ngamadoda, kwaye bonke babedla isidlo sasemini kwindawo eSan Francisco engavumeli iindwendwe zabasetyhini. Ndikwakhumbula ndisiya kwiintlanganiso eziofisini zethu, kwaye amanye amadoda acinga ukuba ndingunobhala okanye ala nokuvuma ubukho bam. Ke, ukuqhawuka kwafuna umcebisi, kwaye uDon Tedsen, iqabane eliphezulu, waba ngummeli wam kuba wayekholelwa ukuba ndinegalelo elixabisekileyo kwinkampani kwaye wandinceda ukuba ndifumane indima yeqabane.



Kwakutheni ukuze ukholelwe ukuba ufanelwe yindawo ephezulu?

Ndisebenza kakuhle kakhulu; Ndiyakwazi ukuvavanya imeko kwaye ndiyiguqule inkqubo ukuba ikhawuleze, ibengcono kunye / okanye ingabizi kakhulu. Ndingumphathi olungileyo kakhulu wabantu. Ndinomsebenzi oqinileyo kwaye ndibambe abanye kwimigangatho ephezulu efanayo. Bendisoloko ndinemvakalelo yokwenyani yokuphatha abantu ngendlela endifuna ukuphathwa ngayo - ngenkathalo, inkxalabo kunye nentlonipho. Ndandiwaxabisa kakhulu amathuba endiwafumeneyo ngenkampani yokuqala endandisebenza kuyo, ngoko ke ndandifuna ngokukhethekileyo ukukhulisa amabhongo abanye abantu basetyhini kweli shishini. Awuyompumelelo wedwa; kukukwazi ukwakha iqela kwaye uqhubele phambili njengeqela.



Lithini icebiso lakho kumntu onomdla wokungena kweli shishini?

Ukuba ufuna ukuba ngumsunguli wemali-mboleko yendawo yokuhlala, kufuneka uthathe iiyure ezingama-20 zemfundo ukuze ufumane ilayisenisi yakho yaseCalifornia ye-Mortgage Loan Originator, enikezelwa yiNationalwide Mortgage Licensing System (NMLS). Ngoku, ukuba ubusebenzela ibhanki, uya kukhululwa ngokuzenzekelayo kwinkqubo yokukhutshwa kwelayisensi.



Xa siqesha, sijonge kakuhle kubantu abanamava angamava onyaka okuvelisa imali-mboleko. Kodwa, ukuba umntu unokuqala ukusuka ekuqaleni, ndingacebisa ukusebenzisana nomvelisi ophezulu kunye nokusebenza kunye naye njengomncedisi wabo. Ukuba ufuna ukusebenza kwicala lemisebenzi, awudingi iziqinisekiso zikhethekileyo, kwaye ungangena kwinqanaba lokungena. Kukho iintlobo ngeentlobo zemfundo ekhoyo ukukunceda ukuba uqalise kwaye emva koko uqhubele phambili ngohlobo lweewebinars, iindibano zocweyo kunye/okanye iiklasi zasekholejini, kodwa isidanga esisemthethweni asiyomfuneko. Ngokuphathelele uMason-McDuffie, sisebenzisana nenkampani ebonelela ngemfundo eqhubekayo kubasebenzi bethu abawongwa ngemali ngemizamo yabo.

Asikawuboni umjikelo wezoqoqosho ofana nalo, kwaye asikhange sibone migaqo ingako, kodwa sinethemba elikhulu ngekamva kuba izindlu ziyinxalenye enkulu yezoqoqosho. Ubunini bekhaya ngumnqweno wabantu abaninzi, ke siziva ngokuqinisekileyo ukuba ishishini liza kuphila kwakhona ngexesha. Esinye sezizathu esenze ukuba siphinde sivelise uphawu lweMason-McDuffie kungenxa yokuba imalunga nokubeka abantu ezindlini, kwaye yeyona nto yanelisayo kulo msebenzi.



Ukuba ungathanda ukuthathelwa ingqalelo kwiprofayili yekhondo lomsebenzi okanye ufuna ukutyumba umntu othile, thumela i-imeyile kuCharlotte Cusack apha ccusack@bayareanewsgroup.com.

Ukujonga ezinye iiprofayili zamakhondo, ndwendwela www.mercurynews.com/career-profiles.




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