Last Presentation Reflection

(1) Positive Statement

What are you most proud of in your block presentation and/or your senior project? Why?
I am most proud of my final presentation because I was able to elaborate and inform others on my topic as best as possible

(2) Questions to Consider

a.     What assessment would you give yourself on your block presentation?  Use the component contract to defend that assessment.

 I would give myself a P because I met all the requires needed

b.     What assessment would you give yourself on your overall senior project? Use the component contract to defend that assessment.


 I would give myself a P because I met all the requires needed

(3) What worked for you in your senior project?

What worked for me was the amount of research I did on my topic

(4) (What didn't work) If you had a time machine, what would you have done differently to improve your senior project?

I would've tried to see if I could get a more hands on experience

(5) Finding Value

How has the senior project been helpful to you in your future endeavors?   Be specific and use examples.

The senior project has been helpful by helping get a better idea of what I want to pursue later on in life. After having this topic I realized it wasn't really meant for me and I want to do something with business in sports

Exit Interview Prep

(1) What is your essential question, and what are your answers?  What is your best answer and why?

How can a loan officer successfully close a loan while satisfying their client's interest

(2) What process did you take to arrive at this answer?

I had to do research and talk with my hub teacher to realize how the client is just as important as the deal

(3) What problems did you face?  How did you resolve them?

Some problems I faced where finding sources from loan officers that where just marketing themselves. I was able to solve it by continuing extensive research 

(4) What are the two most significant sources you used to answer your essential question and why?

My two significant resources is my interview with my mentor and interview with Juan Herrera. It helped me find my answers better because they where coming straight from an officers mouth.

Independent Component 2

(a) Include this statement: “I, student name, affirm that I completed my independent component which represents 61 hr 30 of work.”
(b) Cite your source regarding who or what article or book helped you complete the independent component.

What helped my complete my independent component was my professor and my principles of economics textbook

(c) Update your Independent Component 2 Log (which should be under your Senior Project Hours link)

(d) Explain what you completed.    

I took a class on economics, specifically microeconomics at Cal Poly Pomona

(e) Defend your work and explain the component's significance and how it demonstrates 30 hours of work.   Provide evidence (photos, transcript, art work, videos, etc) of the 30 hours of work.   

Microeconomics a lot explained on how businesses and individual work and function in order to create more money or a revenue. It is well above 30 hrs of work as i went to class twice a week for almost 2 hours plus spending 2+ hours on the weekend studying and working on my class

(f)How did the component help you answer your EQ? Please include specific examples to illustrate how it helped. 

This component helped me because it gave me an unerstanding of why loan officers do things for a reason. An example is opportuntity cost. A loan officer won't give up an opportuntity to llock in a rate (which is my second answer) too late or else the client may end up paying more

Interview 4 Reflection

1. What is the most important thing I learned from the interview?  
The most important thing I learned was how making sure the process is easy and the client understands what loan they want. Making sure you listen to your client the entire time as well

2.  How will what I learned affect my final lesson?
It will affect my lesson by helping me possible add a fourth answer to my EQ and back up all my other answers

https://soundcloud.com/user252822726/sounds-from-wednesday-evening

Third Answer

• EQ 

How can a loan officer best complete a loan while maximizing the interests of the officer and his client?

• Answer #3 (Write in a complete sentence like a thesis statement)*

Determining what loan and which loan is best

• 3 details to support the answer

There are different loans and lengths of loans to choose from

Choosing the right loan depends on what the client can pay and what they plan to do with property

The right loan chosen can result in a huge difference of amount client may pay and for how long

• The research source(s) to support your details and answer

https://www.incharge.org/incharge-guide-to-homeownership/home-loan-officers

http://www.inman.com/2015/09/15/how-to-help-your-client-select-the-best-mortgage-for-their-big-adventure/

• Concluding Sentence

My reasoning to my third answer is because there are a few different loans and different lengths of loans such as a 15 year and 30 year loan that need to be discussed between the loan officer and client to see which one is the best choice.

Blog 18

1.  What is your EQ?
How can a loan officer best complete a loan while maximizing the interests of the officer and his client?

2.  What is your first answer? (In complete thesis statement format)
My first answer is communication within the organization

3.  What is your second answer? (In complete thesis statement format)
My second answer is locking in the loan

4.  List three reasons your answer is true with a real-world application for each.
For my first answer some real world situations are:

• talking with the bank on the loan
• communicating with your client and making sure everything is good
• trying to promote yourself to real estate agents

For my second answer some real world situations are:

• when you get a mortgage loan
• if someone tries to refinance
• getting a commercial loan

5.  What printed source best supports your answer?
https://www.linkedin.com/pulse/20140306232451-111650909-how-your-loan-officer-impacts-the-home-buying-experience

6.  What other source supports your answer?
http://realtytimes.com/consumeradvice/homeownersadvice1/item/4585-20080723_ratelock

7.  Tie this together with a  concluding thought.
For my second answer I plan on having, locking a loan. Locking a loan is very crucial in the very early stages of the loan process and could be the difference between the client having the spend an extra twenty thousand on their home or not.

Interview 3 Reflection

1. What is the most important thing I learned from the interview?  

The most important thing I learned form the interview is how to satisfy your client more efficiently while closing a loan.

2.  How has your approach to interviewing changed over the course of your senior project?

My approach towards interviews have changed in a sense that I try to give more follow up questions when I can

https://soundcloud.com/user252822726/sounds-from-thursday-afternoon

Independent Component 2 Approval

1.  Describe in detail what you plan to do for your 30 hours.

For my second independent component I plan on taking a Economics class at Cal Poly Pomona

2.  Discuss how or what you will do to meet the expectation of showing 30 hours of evidence.


I will show the evidence of my independent component by printing out a transcript of my class and how many hours it was 

3.  Explain how this component will help you explore your topic in more depth.

This component will help me go more in depth in my topic because Economics is involved in everything throughout the world and the amount of loan officers that are needed depends on how the economy is going

4.  Post a log in your Senior Project Hours link and label it "Independent Component 2" log.

Independent Component 1

• LITERAL
  (a) Write: “I, Jesse Eyster, affirm that I completed my independent component which represents 30 hours of work.”
  (b) Cite your source regarding who or what article or book helped you complete the independent component.
• My source is Cindy Ruiz which is one of my mentors
• (c) Update your hours in your Senior Project Hours link. Make sure it is clearly labeled with hours for individual sessions as well as total hours.
• (d) Explain what you completed.    
• For my independent component I was able to shadow, look over some loan files of clients and talk to my mentor and get more information on how crucial communication is for loan officers
• INTERPRETIVE 
  Defend your work and explain its significance to your project and how it demonstrates 30 hours of work.   Provide evidence (photos, transcript, art work, videos, etc) of the 30 hours of work.  
  
• Shadowing and going over loan files helped me understand why it was important to communicate well with the client and to see if there was anything wrong with the loan application
• APPLIED
  How did the component help you understand the foundation of your topic better?  Please include specific examples to illustrate this. 
• This component helped me understand my topic better because I was able to understand more about the loan process and get more information for my Answer 1 of my EQ

Lesson 2 Reflection

1.What are you most proud of in your Lesson 2 Presentation and why?

I am most proud of making time and using my time effectively to talk about loan officer and my essential question

2. a.     What assessment would you give yourself on your Lesson 2 Presentation (self-assessment)?

I would give myself a P grading for the lesson 2 presentation 

     b.     Explain why you deserve that grade using evidence from the Lesson 2 component contract.

I believe I deserve this grade because I met all the requirements to get a P and used my time effectively.

3. What worked for you in your Lesson 2?

I think what worked for me in lesson 2 was that I spoke better without much hesitating and spoke at a good volume

4. What didn't work? If you had a time machine, what would you have done differently to improve your Lesson 2?

If I had something to do differently I would've probably made the Activity more fun or engaging.

5. What do you think your answer #2 is going to be?


I think my answer 2 will be, making sure the loan is locked at the right time

Blog 14

1.  Who do you plan to interview?  What is this person's area of expertise?

I plan to interview my second mentor. My second mentor is a loan officer for car dealerships.

2.  Verify that you have called your interviewee to schedule an interview.  What is the date and time of the interview? 

The date is still uncertain but will be around next weekend

3.  Phrase an open-ended question that will help you find research resources that would help to answer the EQ.

What are ways to efficiently close a loan and satisfy your client?

4.  Phrase an open-ended question that will help you think about other useful activities you might do to help you answer the EQ (IC2, possible experts to talk to, etc).

Why is it key to lock in a loan?

5.  Phrase two open-ended questions that help you to understand your interviewee's perspective on an aspect of your EQ. 

Why is it necessary to make your client happy?

How can keeping your client satisfied help your business?

Blog 13: 10 Hour Mentorship Check-In

1.   Where are you doing your mentorship?

At the moment I am shadowing for my mentorship and observing the step by step process of the loan process.

2.   Who is your contact?  What makes this person an expert?

My contact is Cindy Ruiz and what makes her qualified is that she has been a loan officer for a few years and handles car loans 

3.   How many  hours have you done during the school year? (Summer Mentorship Hours and Mentorship Hours should be reflected separately in your Senior Project Hours log located on the right hand side of your blog).

I have 27 total hours, 16 from my summer mentorship and 11 so far from mentoring during the school year.

4.   Succinctly summarize what you did, how well you and your mentor worked together, and how you plan to complete the remaining hours.

During the hours that I spent mentoring I shadowed as well as go over some loan files and paper that clients have to sign and send in order for the loan process to occur. I plan to hopefully get more hands on experience when mentoring although it is hard to do so due to the fact that this job is 100% commission

Blog 12: Holiday Project Update

1.  It is important to consistently work on your senior project, whether it is break or we are in school.  What did you do over the break with your senior project?
During break I was able to get some mentoring done with a new mentor that I recently got. This new mentor works closer to where I live which will be easier for me. During the mentorship I was able to shadow and see all the steps loan officers have to complete for a loan to process. During the break I also researched information on loan officers and how they can successfully do their job and promote themselves.

2.  What was the most important thing you learned from what you did, and why?  What was the source of what you learned?

The most important thing I learned was from the research that I found on loan officers. I learned that you need to be able to give good services by not complicating the loan process for your client. If going through the loan becomes too confusing it could possibly scare the client from taking out the loan or could get them irritated and may gives you a bad reputation

3.  Your third interview will be a 10 question interview related to possible answers for your EQ. Who do you plan to talk to and why?

I plan to talk to my additional mentor for my third interview. I plan  to do this because they work in the Loan Officer industry and are knowledgeable on what it takes to successfully complete loans as well as providing good service for their clients.