Interview with Albena Chalganova
Hello, Albena! Please introduce yourself and tell us about your experience so far.
My name is Albena Chalganova, and I have been working at Creditchoice for 3 years. My administrative work supports the activities of our Mortgage Brokers. I assist both the entire team and our clients with the preparation of the documents required by banks for loan applications.
How do you help a client who wants to take out a loan from a bank?
My role is to act as a link between the bank and various institutions. Once a client receives approval from the bank and is asked for the set of documents necessary to finalise the deal, I am the person who helps obtain them. A client can authorise me to represent them before all relevant institutions to gather the required paperwork, and in the end, they receive the original documents ready for the transaction.
Which clients need assistance in preparing loan documents?
My services are particularly beneficial for clients who do not have the time to visit multiple institutions and collect documents themselves. Mortgage loans are the most common type of lending, and applying for them requires a significant set of paperwork. If a client is unable to take time off work, I can assist in the issuance of these documents, saving them time, money, and effort.
What kind of clients typically take advantage of this service at Creditchoice?
Usually, it is people who are accustomed to working remotely with consultants and intermediaries and who value trust. We also frequently provide this service to clients who are currently abroad and cannot dedicate the time to obtain the documents in person.
Why should clients choose Creditchoice?
Creditchoice is a registered credit intermediary with the Bulgarian National Bank (BNB) and a member of the Association of Credit Intermediaries. The Mortgage Brokers in our team are professionals with years of experience who provide expert consultations. Everyone is well-prepared to meet client expectations. We strive to build long-term relationships and remain available to our clients even after the loan has been granted.
Our work involves an impartial comparison of bank loan offers so that the client can make the best choice based on their desires and needs. Last but not least, our service is completely free of charge for the client. We do the work; the client gets the benefits.
What advice would you give to people who need financing?
I would advise anyone needing a loan to seek assistance from a Mortgage Broker. As potential bank customers, we can find a lot of information everywhere—online or on-site—to inform ourselves before taking out a loan, but with the help of a professional broker, we save significant time and effort. They will gather all the information and present it in a digestible format, making it easier for the client to make an informed decision. Again, the service is entirely free for the client.
