Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
References
Timeline
Generic

Kelsey Kislow

Wausau

Summary

Results-driven Home Loan Compliance Specialist at Incredible Bank with expertise in regulatory compliance and financial analysis. Proven track record in enhancing mortgage processes and conducting thorough HMDA audits. Skilled in advanced Excel and risk assessment, fostering collaboration to achieve operational efficiencies and ensure adherence to industry standards.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Home Loan Compliance Specialist

Incredible Bank
Wausau
02.2025 - Current
  • Prepares accurate initial disclosures for new mortgage applications for refinance and purchase transactions for conventional loans, such as Fannie and Freddie, vacant land, HELOC, home equity loans, renewals, construction, and government loans, such as Rural Development, FHA, VA, and WHEDA, within the timing requirement after receiving the application.
  • Conducts and performs a monthly HMDA audit of all mortgage loan applications to ensure accurate and compliant annual company HMDA reporting for the bank.
  • Evaluates, implements, and tests all regulatory changes related to disclosures, HMDA reporting, and Regulation B.
  • Partners with mortgage sales and operational staff to continually improve efficiencies in the mortgage file opening and compliance processes.

Financial Analyst

Incredible Bank
04.2023 - 02.2025
  • Prepares all financial reconciliations assigned, and assists with the oversight of other bank department-prepared reconciliations to ensure regulatory compliance.
  • Assist in preparing the annual expense budget, and provide analysis and review of variances from prior periods, as necessary, to the SVP, Controller.
  • Partners with auditors in conjunction with the Bank’s financial statement audit, ensuring compliance with GAAP, and FDICIA. Prepares footnotes for balance sheets and financial statements.
  • Oversees annual 1099-MISC reporting to accounts payable expenditures.

Home Equity Loan Officer

Connexus Credit Union
06.2019 - 04.2023
  • Perform a variety of clerical duties related to the processing, closing, and administration of real estate loans.
  • Managing a high volume of incoming loan applications.
  • Underwriting potential borrower loan applications, including those who are self-employed. Limits up to $100,000.
  • Assessed the creditworthiness of individuals. Collaborated with credit analyst experts to approve or deny loans.

New Member Advisor

Connexus Credit Union
06.2018 - 06.2019
  • Contact new members to welcome them to the credit union and identify their needs, provide account information, and communicate in a professional manner.
  • Identify and discuss other opportunities for additional products and services and refer to the appropriate business area.
  • Properly validate, and update member data.
  • Continue to develop product and service knowledge to respond to member questions and refer inquiries to the appropriate areas.

Education

Advanced Excel -

Northcentral Technical College
Wausau, WI
12-2024

Intermediate Excel course -

Northcentral Technical College
Wausau, WI
05.2024

High School Diploma -

Wausau East High School
Wausau, WI
06-2009

Some College (No Degree) - Accounting And Finance

Northcentral Technical College

Skills

  • Advanced Excel
  • Financial analysis
  • Regulatory compliance
  • Data interpretation
  • Risk assessment
  • Budget preparation

Accomplishments

  • Top grossing home equity loan officer 2021-2022

Certification

  • NMLS

References

References available upon request.

Timeline

Home Loan Compliance Specialist

Incredible Bank
02.2025 - Current

Financial Analyst

Incredible Bank
04.2023 - 02.2025

Home Equity Loan Officer

Connexus Credit Union
06.2019 - 04.2023

New Member Advisor

Connexus Credit Union
06.2018 - 06.2019

Advanced Excel -

Northcentral Technical College

Intermediate Excel course -

Northcentral Technical College

High School Diploma -

Wausau East High School

Some College (No Degree) - Accounting And Finance

Northcentral Technical College

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