Kayla Hayes
HELOC Loan Specialist
Chesterfield,MO
Summary
HELOC Loan Specialist - Manages loan applications, pipeline management, and borrower outreach, to ensure proper and timely execution of all loan files. Handles borrower questions by email and phone, explains the loan process in simple terms for the borrowers to understand, and supports coworkers on loan-related issues.
Overview
10
10
years of professional experience
Work History
HELOC Loan Specialist
Stifel Bank & Trust
04.2021 - Current
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Collaborated with clients to gather required documentation and ensure timely processing of loans.
- Processed loan applications and monitored progress from start to finish.
- Managed a diverse portfolio of loans, balancing risk management with excellent customer service delivery.
- Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
- Submitted loan applications to underwriter for verification and recommendations.
- Liaised closely with other departments such as collections and legal teams when necessary to expedite resolution of problematic accounts.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
- Explained very technical financial information to applicants in easy to understand language.
Loan Servicing Assistant
Stifel Bank & Trust
09.2019 - 04.2021
- Assisted in managing customer accounts by providing timely updates and resolving inquiries effectively.
- Submitted forms to 3rd party servicing department, ensuring accurate processing of borrower requests such as ACH forms and address changes.
- Assisted borrowers via email and phone, resolving issues effectively and ensuring a positive customer experience.
- Executed special projects assigned by management.
- Made collection calls, facilitating timely communication and resolution of outstanding loan payments.
- Assisting co-workers with issues they might uncover pertaining to their borrower’s loans
- Requesting payoff letters
- Submitting proof of insurance to our insurance department
- Organizing and assembling legal loan documentation for review for loan release upon complete payment
Financial Coordinator
St. Luke’s Hospital
07.2018 - 08.2019
- Responding to telephone inquiries and addressing patient questions
- Posted insurance and patient payments into Mosaq to ensure accurate financial records
- Billing for surgeries and other related procedures
- Billing for ambulatory infusion services
- Managed cash, check, and credit card transactions to ensure accurate financial handling
- Maintained accounts receivable by processing patient and insurance refunds and submitting reconsideration forms
Medical Secretary
St. Luke’s Hospital
07.2017 - 07.2018
- Answered telephone, addressed patient inquiries, and directed calls to appropriate departments.
- Inputted patient information into various computer programs, ensuring accuracy and accessibility.
- Communicated effectively with patients and coworkers to foster a supportive environment.
- Kept information confidential and followed HIPAA guidelines to maintain patient trust.
Cashier
CVS Pharmacy
09.2016 - 07.2017
- Processed transactions accurately using point-of-sale systems to ensure customer satisfaction.
- Managed cash register operations, balancing cash drawers and maintaining transaction records.
- Assisted customers with product inquiries, enhancing shopping experience through effective communication.
- Collaborated with team members to streamline checkout processes, reducing wait times during peak hours.
Cashier
Schnucks
04.2016 - 09.2016
- Processed transactions accurately using point-of-sale systems to ensure customer satisfaction.
- Managed cash register operations, balancing cash drawers and maintaining transaction records.
- Assisted customers with product inquiries, enhancing shopping experience through effective communication.
- Collaborated with team members to streamline checkout processes, reducing wait times during peak hours.
Education
Bachelor of Science - Psychology
Fontbonne University
St. Louis, Missouri05-2018
Diploma - undefined
Pacific High School
Pacific, Missouri05-2014
Skills
- Loan documentation review
- Determining credit worthiness
- Collateral tracking
- Encompass
- Blend
- Loan payment processing
- Payoff letter preparation
- Loan document release
- Third-party servicing requests
- Insurance tracking
- Customer account support
- Payment posting
- Accounts receivable
- Cash handling
- Phone and email communication
Timeline
HELOC Loan Specialist
Stifel Bank & Trust
04.2021 - Current
Loan Servicing Assistant
Stifel Bank & Trust
09.2019 - 04.2021
Financial Coordinator
St. Luke’s Hospital
07.2018 - 08.2019
Medical Secretary
St. Luke’s Hospital
07.2017 - 07.2018
Cashier
CVS Pharmacy
09.2016 - 07.2017
Cashier
Schnucks
04.2016 - 09.2016
Diploma - undefined
Pacific High School
Bachelor of Science - Psychology
Fontbonne University