Describe a time when your moral values influenced the way you responded to an issue. What differences did you notice between your logical reasoning process and your moral reasoning process? What were the possible consequences or outcomes of your decision? (150-200)

Three years ago, a client came to the office for a refinance. As a mortgage broker, my gold entailed to close as many loans as possible, and ensuring that the client gets the best program on the market. After reviewing the client's file, I noticed that the loan was not going to be beneficial to him because he had a pre-payment penalty in the amount of $3,500 on his loan and he needed a cashout for $6,000.00. For that loan size, my fees would have been $4,000.00, in addition, to the title fees. It came to the point where my moral value has stopped me from doing this loan because it would have been beneficial to me but not to the client. My position was also, very logic, because sooner or later that will come back to hunt me. By addressing the issue to the client, I have proposed to him, several alternatives that would make sense and preventing him from making the biggest mistake in his life. I felt very good for not doing this loan because my moral value had stopped me from being a heartless person.

can somebody proofread my work please.

rose

Thank you for using the Jiskha Homework Help Forum. In line one, "my gold" does not make sense to me. Could you have meant "my goad was to close, etc.?" A parallel construction would be better "and ensuring" should be whatever construction you decide on for the first part of the sentence. (for example "was to close and to ensure, etc." A comma is not necessary after "in addition. "has stopped" is the present tense along with the conditional; you might consider "sequence of tense." My position was "logical" = adjective required here. Not "to hunt" but undoubtedly "to haunt" at the end. Next, "alternatives that would make sense and prevent him, etc."

By sequence of tense the Present Perfect goes better with the Future ("has stopped me because it will" vs. "had stopped, Past Perfect, with Conditional = would have been, etc."

Feel free to repost after you make any corrections, if you have time. I won't be on again until tomorrow a.m.

In this scenario, my moral values influenced the way I responded to the issue of the client seeking a refinance. As a mortgage broker, my goal was to close as many loans as possible while ensuring the best program for the client. However, upon reviewing the client's file, I realized that the loan would not be beneficial for him due to a pre-payment penalty and his need for a cashout.

My moral reasoning process kicked in, causing me to consider the potential consequences of proceeding with the loan. While my logical reasoning process would have focused on closing the loan and collecting my fees, my moral reasoning process prioritized the well-being of the client over personal gain. I recognized that approving the loan would not only lead to financial harm for the client but could also harm my professional reputation.

By addressing the issue with the client, I provided several alternatives that made more sense in his situation. This decision not only prevented the client from making a potentially disastrous mistake but also allowed me to maintain my integrity as a mortgage broker. I felt a sense of fulfillment and satisfaction, knowing that I had acted according to my moral values.

The possible consequences or outcomes of my decision included the client expressing gratitude for my honesty and guidance, potentially fostering a long-term professional relationship. Additionally, my decision to prioritize the client's best interest over personal gain could enhance my reputation and credibility in the industry. Conversely, had I chosen to prioritize my own financial gain, the client could have faced financial difficulties and my professional reputation could have been tarnished.

In summary, by allowing my moral values to guide my actions, I responded to the issue in a way that was both logical and ethical. The result was a positive outcome for the client and a sense of personal fulfillment for myself.