Michelle L. Kidd

**** ******** **. *******, ** **168 ac1w5j@r.postjobfree.com (c) 770-***-****

https://www.linkedin.com/in/MichelleKidd

Objective

Seeking to transition into Human Resources, to enhance my overall experiences, through training and development.

Summary of Qualifications

CaseAware, Loan Processing System, VendorScape, Lenstar, Perfect Practice, CMS, Yardi, SCRA, Pacer, VA Appraisal Order, Microsoft Word, Excel, Office, Client Management, Type 50 wpm, Accounts A/P-A/R, Ten-Key, Batching, GLA Coding, Check Process, Accounts Balances, Problem Solver, Detailed Oriented, Customer Service, Team Player

Professional Experience

Foreclosure Processor

Shapiro, Pendergast & Hasty, LLC – Atlanta, GA 2/2010 – 07/2017

Processed 25-30 FHLMC, FNMA, FHA, VA and CONV loans for foreclosure sales.

Utilized SCRA and Pacer search for Military and bankruptcy verification.

Confirmed Note endorsement, prepared AOM’s for execution to correct entity transfer.

Assured foreclosure actions are valid by verifying the Breach Letter is properly executed.

Reviewed Titles for invested holders, mortgage chain, Jr. Lien Holders, heirs and taxes due.

Ordered appraisals and prepared HUD Occupancy Letters within 60-90 days of sale.

Processed the Fair Debt Letters and Federal Tax Liens for notification to the IRS.

Processed Notice of Sales to send to the newspapers for Legal Ad publication.

Complied with instructions for postponements, holds, and cancellations and invoiced.

Prepared and calculated fees for Bidding Instructions for sale Cry Out.

Monitored client database and facilitated communication for status, and delayed issues.

Prepared Deed Under Power and Special Warranty Deeds for client execution.

Performed Client Presentations for 5yrs and new hire training on foreclosure procedures.

Client Relations Coordinator

Citicorp Trust Bank – Marietta GA 10/2005 – 10/2008

Provided Customer Service for an inbound Call Center within a required 3-minute resolution.

Reworked up to 35 loans for Debt Consolidation while maintaining Debt To Income ratio, Underwriting and Sales stipulations.

Assist with Processor backup, database update, referral entrance, accessed and reviewed credit reports for rapid U/W approvals.

Trained new hires on Call Center procedures, Refinance guidelines and understanding of credit and Regulatory Fair Debt Lending Practices.

Rewarded QA Certificates of 100% for consistency and effective customer service results.

Michelle L. Kidd Resume 1 of 3 Pages

Mortgage Processor

Citicorp Trust Bank – Marietta, GA 08/2003 – 10/2005

Processed mortgage loans up to conforming loan limits within a 5-14 day turn around.

Ordered appraisals and reviewed title issues regarding vesting, judgments, undisclosed liens, processed Subordinations and ordered payoffs.

Verified employment, HOI, accurately calculated income, revised Debt Consolidation according to appraisal, DTI and UW re-approval, to the customer’s satisfaction.

Facilitated communication between Sales, Primerica Agents and Customers for status.

Presented completed consolidation to Agent and Customer, scheduled closings and exceeded company minimum goal of 21 units to 30-37 per month.

Jr. Loan Processor

Cities Mortgage Corporations – Atlanta, GA 08/2002 – 08/2003

Liaison between the Sr. Processor, Agents, and Brokers for needed documents and U/W stipulations based on loan approval.

Maintained 20-30 pipelines for verification of employment, income calculations and HOI.

Ordered payoffs, Titles and appraisals, printed and disburse to the Sr. Processor for review.

Prioritized and monitored daily workflow to ensure the company’s timeline expectation.

Coordinate scheduled closing dates, prepared closing packages, answered phones and filed.

Tramore Village Apartments – Austell, GA 05/2002 – 07/2002

Leasing Agent – Administrative

Administered processing of applications, renewals, post rental payments, apartment presentation, prepared refreshments for guests, ordered supplies, and answered phones.

Enforced strict leasing rules and regulations by presenting tenants with citations.

Implemented collection practices to ensure minimum delinquencies and evictions.

Developed and implemented comprehensive marketing campaign to attract residents.

Worked as a team to ensure the upkeep of the models by maintaining cleanliness.

Collection Specialist – Team Leader 08/1997 – 11/2001

SouthTrust Bank – Marietta, GA

Successfully Collect on Mobile Homes portfolio with a delinquent drop from $28M to $115.

Reviewed financial status for accounts in need of deferment or modification.

Utilized skip-tracking tactics by accessing Credit Report and Fast Data.

Assigned Field Agents for direct customer contact, vacancies and condition reports.

Proactive to a team of eight in need of assistance and retraining.

Accounts Receivable Clerk 07/1996 – 10/1996

Gardena Plating – Gardena, CA

Posted received transaction payments and reconciled against purchase order.

Monitored accounts aging for accuracy and used as a collection tool for payment.

Produced a report to support collection efforts and showed a decrease in delinquency.

Processed Accounts Payable with General Ledger coding and entered invoices for payment.

Performed month-end closing procedures for balancing against ledger.

Kidd Resume 2 of 3 Pages

Accounts Payable Clerk 03/1992 – 06/1996

Dart Warehouse Corporation – Los Angeles, CA

Processed a full cycle of high-volume invoices with accuracy and in a timely manner.

Accurately calculated, entered GLA Coding batched and performed M/E Ledger balancing.

Generated 2 weekly check runs to reconcile with invoices, for signature approval and mailed.

Proactively researched invoices, for discrepancy of payment and resolved.

Provided excellent customer service, by actively returning Vendor calls within one hour.

Education

TTI, The Training Institute for Careers, Inc. – Rancho Dominguez, CA 06/1994 – 12/1994

Certificate - Financial Specialist Accounting Principles

REFERENCES: Available on demand

Kidd Resume 3 of 3 Pages

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