Keirston Ramstad
Alum Bank,PA
Summary
Dynamic Personal Loan Specialist at OneMain Financial Services with a proven track record in loan structuring and risk evaluation. Recognized for exceptional customer service and leadership skills, consistently exceeding performance targets. Adept at problem-solving and fostering team collaboration, driving efficiency in loan processing and enhancing client satisfaction.
Overview
10
10
years of professional experience
Work History
Personal Loan Specialist
OneMain Financial Services
Bedford, PA
09.2024 - Current
- Analyzed customer financial needs to recommend personalized loan solutions.
- Guided clients through loan application process, ensuring compliance with regulations.
- Collaborated with team members to streamline loan processing workflows and enhance efficiency.
- Mentored junior staff on best practices in customer service and loan management strategies.
- Developed training materials for new hires, focusing on product knowledge and sales techniques.
- Conducted market research to identify trends and adjust lending policies accordingly.
- Implemented new software tools to improve data accuracy in loan documentation and reporting.
- Assisted clients with financial planning, offering guidance on debt management and budgeting strategies.
- Achieved high levels of customer satisfaction by consistently exceeding expectations in timeliness of response and issue resolution.
- Contributed to team success by consistently meeting and exceeding personal performance targets, such as loan volume and customer service ratings.
- Participated in ongoing professional development opportunities, staying current on best practices in the lending industry.
- Utilized advanced software tools to efficiently manage client data and monitor performance metrics across the portfolio of loans handled.
- Managed a portfolio of personal loans, monitoring repayment progress and proactively addressing delinquencies.
- Performed risk analysis for each applicant, minimizing potential losses from defaulted loans.
- Provided exceptional customer service, addressing client inquiries and concerns promptly and professionally.
- Developed strong relationships with customers, fostering trust in our services and increasing repeat business.
- Ensured compliance with federal regulations and company policies throughout all stages of the loan process.
- Coordinated closely with underwriters to ensure accurate documentation and expedited processing times for each application.
- Negotiated favorable terms for clients, securing competitive interest rates and flexible repayment options whenever possible.
- Processed loan applications and monitored progress from start to finish.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Identified opportunities to cross-sell and upsell loan products to customers.
Shipping and Receiving Clerk
Mayville Engineering Company
Bedford, PA
09.2022 - 08.2024
- Processed incoming shipments, verifying accuracy of items against packing slips.
- Coordinated outgoing shipments, ensuring timely delivery and compliance with safety protocols.
- Maintained inventory records using warehouse management systems for efficient tracking.
- Led team in organizing storage areas to optimize space and enhance accessibility of materials.
- Conducted regular inspections of shipping equipment to ensure operational efficiency and safety compliance.
- Packaged goods in safe containers to prepare for shipping, adhering to packaging protocols.
- Processed invoices and order forms for goods received and shipped for proof of transactions.
- Inspected merchandise and sent damaged pieces for repair before shipment.
- Maximized warehouse space utilization by reorganizing storage areas according to product types, sizes, and turnover rates.
Assembly Line Worker
Sheetz Distribution Services
Claysburg, PA
08.2021 - 11.2022
- Wrapping/Packaging – Wrap/package and label finished RTE items.
- Assembly – Assemble RTE food items.
- Operated assembly line machinery to ensure efficient production flow.
- Conducted quality checks on products to maintain high standards.
- Collaborated with team members to meet daily production
- Prepare, assemble and package Ready-To-Eat items to be shipped to stores.
CNA
Homewood Health
Martinsburg, PA
07.2020 - 08.2021
- Assisted patients with daily living activities, ensuring comfort and safety.
- Monitored vital signs and reported changes to nursing staff for timely interventions.
- Maintained accurate patient records and documentation in compliance with healthcare standards.
- Collaborated with multidisciplinary teams to develop individualized care plans for patients.
- Trained and mentored junior CNAs on best practices for patient care and safety protocols.
- Implemented infection control procedures, enhancing overall patient health outcomes.
- Streamlined communication processes between caregivers and families, improving care coordination.
- Assisted patients with daily living activities, promoting independence and dignity.
- Checked patient vitals such as temperature, blood pressure, and blood sugar levels.
- Promoted good oral and personal hygiene by aiding patients with shaving, bathing, and teeth brushing.
- Enhanced patient satisfaction by providing compassionate and attentive care.
- Maintained confidentiality of patient information according to HIPAA guidelines while communicating effectively with team members about critical updates.
- Answered call lights and supported patient comfort and safety by adjusting bed rails and equipment.
- Utilized proper body mechanics and assistance devices when transferring patients, minimizing the risk of injury for both parties.
- Ensured prompt response to call lights, addressing patient needs in a timely manner.
- Prevented bedsores by regularly repositioning patients and implementing proper wound care techniques.
- Delivered individualized patient care by recording vital signs, documenting observations, administering treatments, and evaluating patient needs.
- Provided emotional support for patients during challenging times, fostering a positive healing environment.
- Implemented fall prevention measures by identifying high-risk patients and maintaining clutter-free environments around bedsides.
- Cared for residents in assisted living facility and delivered high-quality support to meet needs.
- Promoted infection control practices within the facility by adhering to strict hand hygiene procedures and utilizing personal protective equipment when necessary.
- Cared for clients with diagnoses such as respiratory failure, diabetes, Parkinson's disease and muscular dystrophy.
- Offered immediate assistance in emergency and routine paging situations to evaluate needs and deliver care.
Personal Care Nursing Assistant
UPMC Home Healthcare
Altoona, PA
05.2018 - 10.2020
- Coordinated communication between clients, families, and healthcare providers to optimize care delivery.
- Advocated for client needs and preferences within interdisciplinary team settings to improve outcomes.
- Assisted with feeding and monitored intake to help patients achieve nutritional objectives.
- Built strong relationships with clients to deliver emotional support and companionship.
- Engaged patients in meaningful conversation, socialization, and activity while providing personal care assistance.
- Assisted with dressing guidance, grooming, meal preparation, and medication reminders.
- Enhanced client well-being by assisting with daily activities such as bathing, dressing, and grooming.
- Recognized and reported abnormalities or changes in patients' health status to case manager.
- Supported clients with mental support and physical activities to accomplish quality of life and sustain needs.
- Maintained detailed documentation of client progress, sharing updates with family members and healthcare providers as necessary.
- Managed household chores efficiently, enabling clients to enjoy a clean living space without added stress or physical strain.
- Ensured timely medication administration, managing accurate records of dosages and schedules for multiple clients.
Personal Care Nursing Assistant
Integrity Home Care & Hospice
Altoona, PA
11.2017 - 05.2018
- Assisted clients with daily living activities, enhancing comfort and independence.
- Maintained accurate records of patient care and progress reports for healthcare team reviews.
- Developed personalized care plans in collaboration with healthcare professionals to meet individual needs.
- Implemented safety protocols to ensure client well-being in home environments.
- Trained new staff on best practices for patient care and operational procedures.
- Monitored client health status, alerting medical staff to changes or concerns promptly.
- Assisted clients with daily living needs to maintain self-esteem and general wellness.
- Assisted with transferring and positioning clients, ensuring proper body mechanics to reduce the risk of injury for both parties.
- Turned and positioned bedbound patients to prevent bedsores and maintain comfort levels.
- Improved client comfort by providing exceptional personal care and maintaining a clean, safe environment.
Personal Care Nursing Assistant
Colonial Courtyard
Bedford, PA
05.2016 - 11.2017
- Adapted quickly to new client situations, building rapport through active listening skills and an empathetic approach towards individual needs.
- Contributed to a positive home atmosphere by engaging clients in conversation and recreational activities tailored to their interests.
- Maintained current knowledge of best practices in personal care through ongoing professional development opportunities.
- Supported clients'' mental health by actively listening to concerns and offering compassionate companionship during challenging times.
- Promoted independence with structured routines and clear communication to support clients in their daily lives.
- Transported individuals to events and activities, medical appointments, and shopping trips.
- Monitored and assisted residents through individual service plans.
- Remained alert to problems or health issues of clients and competently responded.
- Assisted clients with meal planning and preparation, taking into consideration dietary restrictions and preferences for optimal nutrition.
- Assisted patients with self-administered medications.
- Prevented injuries through diligent observation of the environment and prompt intervention when needed during mobility assistance tasks.
- Collaborated with healthcare professionals to develop individualized care plans addressing each client''s specific needs.
- Monitored vital signs regularly, promptly reporting any abnormal findings to medical professionals for further evaluation.
- Provided respite care for families, allowing them the opportunity to recharge while ensuring their loved one received consistent quality care.
- Empowered clients by providing education on self-care strategies and encouraging them to take an active role in their own health management.
- Recorded temperature, blood pressure, pulse, or respiration rate as directed by medical or nursing staff.
Education
CNA - Nursing
Homewood
Martinsburg, PA10-2021
Phlebotomy - Medical Laboratory Science
University of Pittsburgh of Johnstown
Johnstown, PA08-2016
High School Diploma -
Northern Bedford
New Enterprise, PA06-2016
Skills
- Loan structuring
- Risk evaluation
- Goal oriented
- Loan servicing
- Collections experience
- Loan origination
- Teamwork
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Leadership skills
- Problem-solving abilities
- Multitasking
- Multitasking Abilities
- Reliability
- Customer service-focused
- Organizational skills
- Team collaboration
- Adaptability and flexibility
- Verbal and written communication
- Decision-making
- Microsoft office
- Oral and written comprehension
- Team building
- Self motivation
- Goal setting
- Professionalism
- Basic mathematics
- Complex Problem-solving
- Time management abilities
- Continuous improvement
- Budget planning
- Electronic charting
Timeline
Personal Loan Specialist
OneMain Financial Services
09.2024 - Current
Shipping and Receiving Clerk
Mayville Engineering Company
09.2022 - 08.2024
Assembly Line Worker
Sheetz Distribution Services
08.2021 - 11.2022
CNA
Homewood Health
07.2020 - 08.2021
Personal Care Nursing Assistant
UPMC Home Healthcare
05.2018 - 10.2020
Personal Care Nursing Assistant
Integrity Home Care & Hospice
11.2017 - 05.2018
Personal Care Nursing Assistant
Colonial Courtyard
05.2016 - 11.2017
CNA - Nursing
Homewood
Phlebotomy - Medical Laboratory Science
University of Pittsburgh of Johnstown
High School Diploma -
Northern Bedford