Just follow Kim as she loads her kayak.

Step One:  Bring your kayak to the back of the vehicle and set kayak on saddle
Let kayak rest on saddle and go to the stern. The saddle will flex and support kayak.
Step Two: Squat down and lift stern using your legs and push.
Step Three:  Secure kayak to rack with cargo straps.  Tie off bow and stern for soundness.