Karmann Elliot
Summary
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
22
22
years of professional experience
1
1
License
Work History
Licensed Loan Partner
Stockton Mortgage
10.2021 - Current
- Upon mortgage loan application using Encompass, process and analyze potential borrower's credit
- Send pertinent credit information to Branch Manager
- Collect all necessary documents for pre-qualification to pre-approval
- Answer incoming calls from potential borrowers
- Stayed informed on industry developments and market trends to gain competitive advantage.
- Provided outstanding service to all individuals, promoting effective, and lasting business relationships.
Mortgage Banking Post Closer
First Savings Bank
12.2020 - 10.2021
- Duties include activation and transfer of mortgage insurance, loan delivery to FNMA and FHLMC (Fannie Mae and Freddie Mac), request and upload trailing documents such as Mortgage/DOT and Final Title Policy
- Contact title companies and legal offices to request past due documents.
- Maintained open communication with team members, fostering a collaborative work environment that led to improved performance outcomes.
- Completed post-closing quality control evaluations of originated mortgage loans.
- Improved workflow efficiency by implementing organized filing system for closed loans.
Business Office Manager
The Grand Of Prospect Senior Living- Civitas
09.2019 - 12.2020
- Under direction of the Executive Director: accounts receivable, accounts payable, process bi-monthly payroll, human resources, resident collections, new hire onboarding and orientation
- Process monthly resident statements and month end closing for AP
- Bi-monthly petty cash credit card reconciliation
- Process checks through scanner and ACH payments
- Enhanced customer satisfaction by addressing inquiries promptly and resolving issues professionally.
- Coordinated staff schedules, adjusting workloads to maximize productivity and meet deadlines.
- Prepared and submitted monthly, quarterly and annual financial statements to inform decision-makers.
Patient Account Rep.
Baptist Health Floyd Central Billing Office
06.2019 - 09.2019
- Collect payments from insurance companies, government and commercial
- Process medical bills to patients and collections
- Find discrepancies in insurance payments
- Assisted colleagues during peak periods or absences, showcasing teamwork skills while maintaining personal workload demands efficiently.
- Reviewed insurance eligibility and verified coverage details to minimize claim denials and delays in payment.
- Promoted a positive work environment by actively participating in team meetings and contributing ideas for process improvements.
- Provided exceptional customer service, handling sensitive patient situations with professionalism and empathy.
Accounts Receivable Administrator
Sazerac
06.2018 - 06.2019
- Process payments including wires from domestic and international customers.
- ACH and EFT payments
- Process bank account and lockbox transactions daily.
- Collect any monies that are past 30 days.
- Process credit references upon request via email.
- Maintain good relationships with all customers worldwide.
- Supported cash forecasting efforts, helping management make informed decisions regarding available funds allocation.
- Managed month-end close process, ensuring timely and accurate financial reporting relating to Accounts Receivable balances.
- Enhanced cash flow by diligently monitoring and collecting outstanding accounts receivable balances.
- Contributed to the development of departmental goals and performance metrics, aligning individual objectives with broader organizational initiatives.
Patient Account Rep.
Baptist Health Floyd Cancer Center
06.2015 - 06.2018
- Collections from insurance companies, government and commercial
- Reconcile daily copays and credit card payments from patients.
- Process all patient refunds.
- Balance and close month end.
- Review accounts and discrepancies with patients and insurance companies over the phone and in person with empathy and kindness.
- During this role over a million dollars in bad debt was collected on my behalf during the transition from Floyd Memorial to Baptist Health Floyd.
Education
Associate of Applied Science - Business Administration
Ive Technical Community College
High School Diploma -
Portland Christian School
2000
Skills
- Excellent verbal and written communication skills
- Passionate towards helping and assisting others
- Administrative Management
- Proficient in Microsoft Office, Encompass and Open Close
- Analytical and Futuristic Thinking
- Building Trust and Relationships
- Self Starter
References
Kevin Hulsey
Current Manager
Branch Manager, Stockton Mortgage
502-773-1236
Kim Hanik
Former Co-worker
The Grand of Prospect
502-645-4640
Gina Borden
Former Director
Baptist Floyd Cancer Center
502-819-3661
Certification
- Licensed Mortgage Loan Originator #2159251
Timeline
Licensed Loan Partner
Stockton Mortgage
10.2021 - Current
Mortgage Banking Post Closer
First Savings Bank
12.2020 - 10.2021
Business Office Manager
The Grand Of Prospect Senior Living- Civitas
09.2019 - 12.2020
Patient Account Rep.
Baptist Health Floyd Central Billing Office
06.2019 - 09.2019
Accounts Receivable Administrator
Sazerac
06.2018 - 06.2019
Patient Account Rep.
Baptist Health Floyd Cancer Center
06.2015 - 06.2018
Associate of Applied Science - Business Administration
Ive Technical Community College
High School Diploma -
Portland Christian School
- Licensed Mortgage Loan Originator #2159251
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