Kayla Espinosa
Granville,United States
Summary
Experienced with assessing and processing loan applications efficiently. Utilizes attention to detail and organizational skills to ensure compliance and accuracy. Knowledge of regulatory standards and effective communication ensures smooth collaboration with clients and team members.
Overview
14
14
years of professional experience
Work History
Residential Loan Processor
Hometown National Bank
10.2022 - 01.2025
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Reviewed appraisals to ensure accuracy of value estimates.
- Compiled closing packages containing all necessary documents required for funding.
- Verified accuracy of closing figures prior to disbursement of funds.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Assisted borrowers with questions regarding their loans after closing.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Collaborated with lenders, attorneys, real estate agents, and title companies to ensure successful closing of loans.
- Prepared Closing Disclosure statements and other required documents in accordance with federal regulations.
- Established escrow accounts for taxes and insurance payments as needed.
- Monitored post-closing activities such as recording fees, finalizing titles, releasing funds from escrow accounts.
- Processed payoffs when requested by borrowers or lenders.
- Reviewed loan applications for accuracy and completeness, ensuring compliance with bank policies.
- Coordinated communication between clients, underwriters, and loan officers to expedite processing timelines.
- Trained junior staff on processing procedures and best practices to enhance team efficiency.
Escrow and Insurance Specialist
Hometown National Bank
11.2021 - 10.2022
- Reviewed insurance policies to ensure compliance with existing regulations.
- Maintained accurate records of all transactions related to insurance policies.
- Reviewed escrow instructions and verified accuracy of documents to ensure compliance with state regulations.
- Maintained accurate records of all transactions for audit purposes.
- Answered inquiries from customers regarding account balances, payment history and other matters related to their escrows.
Residential and Consumer Loan Processor
Lake Osceola State Bank
08.2019 - 11.2021
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Submitted loan applications to underwriting department for review and approval process.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Reviewed appraisals to ensure accuracy of value estimates.
- Compiled closing packages containing all necessary documents required for funding.
- Verified accuracy of closing figures prior to disbursement of funds.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Assisted borrowers with questions regarding their loans after closing.
- Managed conditions sent from underwriting departments.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
Bar Manager
Government Lake Lodge
05.2016 - 08.2020
- Supervised daily bar operations, ensuring exceptional customer service and adherence to health standards.
- Trained and mentored staff on cocktail preparation and service techniques, enhancing team performance.
- Developed and implemented inventory management processes, reducing waste and optimizing product usage.
- Collaborated with suppliers to negotiate pricing and maintain quality of beverage offerings.
- Analyzed sales trends to identify popular products, adjusting menu offerings accordingly to maximize profitability.
- Coordinated special events and promotions, increasing customer engagement and driving bar revenue growth.
- Ensured compliance with licensing regulations through regular audits of operational practices and documentation.
Bartender/Assistant Bar Manager
Cali Comfort
03.2013 - 05.2016
- Assisted bartenders in preparing and serving drinks, ensuring quality and presentation standards.
- Maintained cleanliness and organization of bar area, promoting efficient service workflow.
- Supported inventory management by tracking supplies and restocking as needed for seamless operations.
- Collaborated with team members to enhance customer experience through prompt service and engagement.
- Trained new staff on bar protocols and best practices, fostering a knowledgeable team environment.
- Utilized strong multitasking skills to efficiently manage multiple priorities during peak hours without sacrificing quality or service standards.
- Handled cash transactions accurately, maintaining proper accounting of sales figures.
- Increased repeat business by establishing rapport with regular customers through attentive service and personalized recommendations.
Bartender/Assistant Bar Manager
Landres Sports Bar and Grill
03.2011 - 03.2013
- Learned cocktail recipes and beverage preparation techniques to improve service efficiency and accuracy.
- Implemented strategies to reduce waste during drink preparation, contributing to cost-effective operations.
- Resolved customer inquiries regarding menu items, enhancing overall satisfaction and loyalty to establishment.
- Supported bartenders with essential tasks, resulting in more efficient bar operations.
- Managed difficult situations diplomatically, resolving disputes between patrons when necessary.
- Provided exceptional customer service, fostering positive relationships with patrons.
- Developed seasonal drink menus based on current trends and customer preferences.
- Managed cash handling duties responsibly, ensuring accurate accounting at the end of each shift.
- Performed opening and closing duties, printing sales reports, setting up for incoming shift, preparing cash drawers, and taking inventory.
Education
High School Diploma -
Serra High School
San Diego, CA06-2001
Certificate - Advanced TRID
ProBank- FORVIS
Certificate - Flood INS Compliance
ProBank- FORVIS
Loan Denial & Other Adverse Action Notices -
Illinois Bankers- Oncourse
Certificate - Mastering HMDA
ProBank- FORVIS
Certificate - Secondary Market Processing
CSI
Certificate - Loan Product Compliance
ProBank- FORVIS
Certificate - Compliance Lists- Consumer
OnCourse Learning
Certificate - Mortgage Servicing
ProBank- FORVIS
No Degree - Seminar- User Connect
Finastra
Skills
- Loan Closing
- Loan Servicing
- Regulatory Compliance
- Attention to Detail
- Mortgage Loan Software
- Escrow Account Management
- Data entry
- Regulatory compliance
- Loan servicing
- Loan underwriting
- Employment verification
- Title research
Affiliations
Bank Marketing Committee- Hometown National Bank
Community Ambassador Volunteer- Illinois Valley Area Chamber of Commerce and Economic Development's
Timeline
Residential Loan Processor
Hometown National Bank
10.2022 - 01.2025
Escrow and Insurance Specialist
Hometown National Bank
11.2021 - 10.2022
Residential and Consumer Loan Processor
Lake Osceola State Bank
08.2019 - 11.2021
Bar Manager
Government Lake Lodge
05.2016 - 08.2020
Bartender/Assistant Bar Manager
Cali Comfort
03.2013 - 05.2016
Bartender/Assistant Bar Manager
Landres Sports Bar and Grill
03.2011 - 03.2013
High School Diploma -
Serra High School
Certificate - Advanced TRID
ProBank- FORVIS
Certificate - Flood INS Compliance
ProBank- FORVIS
Loan Denial & Other Adverse Action Notices -
Illinois Bankers- Oncourse
Certificate - Mastering HMDA
ProBank- FORVIS
Certificate - Secondary Market Processing
CSI
Certificate - Loan Product Compliance
ProBank- FORVIS
Certificate - Compliance Lists- Consumer
OnCourse Learning
Certificate - Mortgage Servicing
ProBank- FORVIS
No Degree - Seminar- User Connect
Finastra
Education and Training
other