Kylah Nicole Nelson

I attribute my success to the knowledge and experience I’ve gained throughout my 16 years in lending.

Over the years, I’ve developed a strong background in member service, lending operations, underwriting, platforms used, and the programs I’ve helped develop here at Baptist Health FCU.

Having worked in lending for so long has allowed me to gain insight into every stage of the process, from processing all the way to leadership roles such as VP of Lending. That experience has given me the ability to guide others, answer questions, and provide support wherever it’s needed.

I truly enjoy being able to share what I’ve learned and contribute to the industry in meaningful ways. My experience across the entire lending process, along with my passion for helping others, has played a major role in getting me to where I am today.

The best career advice I’ve ever received came from a mentor early in my career, Lori VanLoo, who was my boss while I was learning how to underwrite. One day, she brought me into her office and told me, “There will be difficult days, but if you continue to strive and always give your best effort, you will succeed.”

I’ve never forgotten those words, and honestly, they’ve helped shape the person and professional I am today. There have absolutely been struggles along the way, especially as a woman in the lending industry. Depending on the environment, there are times when you can feel overlooked or unheard, particularly in spaces that have traditionally been male dominated. Because of that, I’ve learned the importance of standing firm in your knowledge and proving your perspective through hard work and consistency.

Lori was such a strong female leader, especially 10 years ago when women in leadership roles within lending were less common. Watching how much she accomplished and how confidently she carried herself inspired me greatly. Seeing her succeed made me realize that I wanted to grow into a leadership role myself — not only for my own career, but also to show other women that we are capable of succeeding in this industry too.

My advice to young women entering the lending and banking industry would be to keep going, even when it gets hard. There will be times when you feel discouraged — and I’ve personally experienced that many times throughout my career — but it’s important not to give up, because the reward is worth it in the end.

This industry can be challenging, especially as a woman. There may be times when you feel overlooked, unheard, or underestimated, so having confidence in yourself is very important. Even now, I still face challenges on a regular basis, but I’ve learned that perseverance is one of the most valuable qualities you can have.

The biggest reward comes from knowing you didn’t quit. If you continue pushing forward, keep learning, and stay committed to helping others, you can build a meaningful and successful career. Your voice, knowledge, and perspective matter, and there is absolutely a place for strong women in this industry.

One of the biggest challenges in the lending industry right now is how much the financial landscape has changed, even compared to just a year ago. More and more people are finding themselves needing financial assistance, and many are facing unique struggles because of the current economy.

At the same time, I see that challenge as an opportunity. In my role at Baptist Health FCU, I’m in a position where I can help identify programs that better support our members and even help restructure policies and procedures to meet the changing needs of the people we serve. We are constantly adapting in order to provide solutions that truly benefit our members.

While it can be difficult seeing so many individuals and families hurting financially, it is also rewarding to be part of creating meaningful solutions. I enjoy being able to adjust policies, think creatively, and work through each person’s situation individually so we can provide the best possible support for their specific needs.

So, in many ways, it is both a struggle and a strength. The economy has created challenges, but it has also created opportunities for us to become more flexible, compassionate, and innovative in how we help people.

One of the values that matters most to me, both professionally and personally, is being a woman of my word. If I tell a member, friend, or family member that I will help get something done, I make sure it gets done — or I find a solution. Reliability and follow-through are extremely important to me.

I’m also very hopeful and solution-oriented when it comes to problem solving. I genuinely enjoy lending a hand and take helping others very seriously. I believe that’s one of the reasons I’ve remained in lending for so many years. Helping people financially is truly in my heart.

With my years of banking and lending experience, I’m able to guide people toward financial solutions that can improve their situations and give them peace of mind. I find a lot of fulfillment in using my knowledge to help others navigate financial challenges and opportunities. Being able to support people in meaningful ways is something I value deeply.