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Sonia Schultz is a seasoned professional in mortgage lending with extensive experience across various financial institutions. As a Senior Mortgage Loan Officer at Heartland Bank since August 2022, Sonia specializes in residential mortgage lending, including new construction loans, relocations, and refinances, along with expertise in jumbo, conventional, FHA, and VA loans. Previous roles include Mortgage Loan Officer in the Private Client Group at US Bank Home Mortgages, Senior Mortgage Loan Officer at 1st National Bank, and Branch Sales Manager at Wells Fargo Home Mortgage, where significant accomplishments in loan originations, team management, and operations were achieved. Early career experience includes leadership positions in credit card collections at Citibank and sales management at ADEX International and Avon. Sonia holds a Bachelor's Degree in Business Administration with a focus on Operations Management from the University of Cincinnati Carl H. Lindner College of Business.