Kimberly Stone
Independence,MO
Summary
Dynamic Collateral Specialist with extensive experience at UMB Bank, recognized for expertise in collateral management and building strong client relationships. Demonstrated success in ensuring regulatory compliance and perfecting liens while enhancing customer satisfaction through effective communication and problem-solving skills. Proficient in maintaining accurate records and driving process improvements to achieve business objectives. Known for high productivity, analytical thinking, and efficient task completion that supports seamless operations.
Overview
34
34
years of professional experience
Work History
Collateral Specialist II
UMB Bank
Kansas City
02.2015 - Current
- Responsible for the processing and maintenance of collateral documents for loans, ensuring compliance and accuracy while working with lending staff to secure and monitor collateral
- Reviewing, verifying, and processing loan documents related to collateral, including lien filings, monitoring, and release documents
- Maintaining accurate records of collateral, including fixture filings, equipment, farm products, and all other assets, to ensure proper perfection of liens
- Ensuring compliance with relevant regulations, policies, and procedures regarding collateral management
- Communicating with lenders, borrowers, and coordinators regarding collateral matters
- Ensuring that liens are properly filed and perfected on collateral assets
- Researching and Obtaining Missing Documents: Assisting in researching and obtaining missing collateral documents
- Providing support to business units and external vendors related to file maintenance, reporting, and compliance
Client Relationship Manager
UMB Bank
Kansas City
07.2012 - 02.2015
- Acts as the primary sales role and advisor within the branch, focus sales efforts with high value Consumer relationships, proactive sales efforts that include loan production, Small Business calls, outbound sales calls by phone and in person, and attendance or hosting sales events
- Consultative sales skills and the UMB Advisory Process, responsible for increasing share of wallet/expanding customer relationships and growing book of business
- A significant focus on conducting client sessions, extracting client needs, providing financial counsel, and establishing financial plans as a trusted advisor
- The role also coordinates business partners and subject matter experts to meet client goals
- Additional sales efforts are performed in relation to insurance and investments
- The role also performs servicing of accounts, general account maintenance, and referencing customers to appropriate specialist role
- This position also acts as a leader in the branch as it relates to change management and advocating for the Consumer Services Strategy
Retail Specialist
UMB Bank
Kansas City
08.2010 - 07.2012
- Processes teller transactions and manages the funds of an assigned station; assists customer in retail and consumer lending product selections by presenting features and benefits and asking for the sale;
- Represents the bank in a manner that maintains and expands business relationships and enhances the bank's image, contributing to its growth;
- Participates in sales campaigns; provides excellent customer service in all customer interactions
Sales Manager
Dillard's Department Store
Independence
01.2005 - 11.2008
- Sales Manager for the Home Store and Furniture Departments; job responsibilities included making schedules, overseeing 39 to 45 employees directly under my supervision, along with the entire store staff of 280 as needed.
- Maintaining directives set forth by the corporate office to ensure 100% compliance, ensuring markdowns are completed, the store is merchandised correctly, and all company policies and procedures are followed.
- Inventory control and auditing of merchandise counts.
- Conducted regular meetings with staff members to review goals and objectives for the quarter and year.
- Identified and developed new markets for products or services.
- Trained, coached, and mentored junior sales personnel to ensure success in their roles.
- Established ambitious goals for employees to promote achievement and surpass business targets.
- Analyzed data to identify trends in customer behavior and develop plans accordingly.
Operations Secretary/Human Resource Director
Dillard's Department Store
Independence
01.1999 - 01.2005
- Handled payroll for the store of 300 associates, created and maintained employment files, administering employee benefits including enrollment and termination from benefit plans administration of COBRA to eligible participants
- Overseeing recruitment and application process for each department, including developing and placing advertisements, tracking advertisements, interviewing and recommendations
- Performing all duties and projects as assigned by the General Manager
- Ensuring confidentiality of all Human Resources documents and files that pertain to the employees and the Company
- Acting as an advisor to management staff regarding Human Resources
Learning Consultant/Advocate for adults with disabilities
I-Can
Independence
01.1993 - 01.1997
- Assisted Adults with Disabilities to learn everyday living skills and achieve goals and objectives set forth by their caseworkers
- Making arrangements and overseeing community integration and volunteer work for each client
Assistant Manager
Afterthoughts
Independence
01.1991 - 01.1993
- Responsible for opening and closing the store, hiring and training new employees, use of plan-o-grams to merchandise the store, inventory and shrinkage, and everyday operations of the store
Skills
- Collateral management
- Loan documentation
- Regulatory compliance
- Record maintenance
- Lien perfection
- Client communication
- Customer service
- Team collaboration
- Attention to detail
- Process improvement
- Document retrieval
- Loan servicing
- Problem-solving
- Client relationship building
- Proficient 10-Key Data Input
References
Available upon request
Timeline
Collateral Specialist II
UMB Bank
02.2015 - Current
Client Relationship Manager
UMB Bank
07.2012 - 02.2015
Retail Specialist
UMB Bank
08.2010 - 07.2012
Sales Manager
Dillard's Department Store
01.2005 - 11.2008
Operations Secretary/Human Resource Director
Dillard's Department Store
01.1999 - 01.2005
Learning Consultant/Advocate for adults with disabilities
I-Can
01.1993 - 01.1997
Assistant Manager
Afterthoughts
01.1991 - 01.1993
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