KIMBERLI M. ARD

**** ******** ***** *****: 205-***-****

Fairfield, Alabama 35064 Email: ad34fo@r.postjobfree.com

SUMMARY OF QUALIFICATIONS:

Excellent understanding of credit operations and processes, with extensive background in credit, collection, technology, mutual funds, and retirement plans.

Proven initiator and innovator with extensive experience in maintaining and building client relations through collaborative team efforts.

Possess strong analytical ability in assessing organizational and individual needs.

Exceptional time management and follow up skills; able to multi-task and meet deadlines.

Good communication skills, oral and written, as well as strong customer service abilities.

Liaison with key agencies setting up new accounts and maintaining strong relationships with existing accounts.

PROFESSIONAL WORK EXPERIENCE:

APCO EMPLOYEE CREDIT UNION; Birmingham, AL 2011 to March 2023 Savings Counselor: Responsible for meeting with members in person or by phone to open new accounts, IRAs and CDs, and opt-in and debit/credit cards; answer member questions; and resolve problems relating to their accounts. Assisted branches with related issues, and maintained member records per policies. Provided information regarding rates, account changes, and other pertinent information. Compiled and maintained forms and documentation of new accounts, and verified data complied with policies and procedures including disclosure, documentation, and privacy. Worked to establish and maintain good relationships with members to promote Credit Union growth. SUNGARD; Birmingham, AL 2009 to 2011

Transaction Processing Specialist II: Responsible for timely and accurate processing of back office financial transactions, according to SOPs. Enrolled customers in a variety of funds, including retirement, money market, and global equities. Researched customer selections to determine if allowed and/or pre-approved by Plan Administrator. Identified and researched changes and additions to enrollments. Responded appropriately and professionally to client requests. Gained extensive knowledge concerning available mutual funds and plans. Focused on Quality Control, with an emphasis on adherence to all security and privacy protection requirements, as well as adherence to SOP’s and compliance policies.

Consistently met or exceeded target goals for productivity and quality. CHASE CUSTOM FINANCE; Birmingham, AL 2007 to 2008

Senior Document Analyst: Responsible for investigating all deals once they were approved in Underwriting Department. Verified documentation for fraud and/or potential loss to company, insurance coverage, job time and income, and other pertinent information. Utilized Fast Data to identify any discrepancies with information. Interviewed customer to further verify accuracy of information taken on application. Worked closely with Underwriting and dealers to ensure accuracy before contracts were funded. Verified offerings were in compliance with Truth-In-Lending Act and procedural requirements.

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FORD MOTOR CREDIT COMPANY; Birmingham, AL 1986 to 2007 Discounter: Responsible for contract payments to dealers, including serving as liaison between customers and dealers. Verified all offerings were in compliance with Truth-In-Lending Act and procedural requirements, as well as verified title or MSO for each contract, and adequate insurance coverage on all leases before dealer payment. Contacted and notified appropriate dealership personnel of errors, and ensured prompt and accurate funding of all contracts. Verified and examined closing documents. Corrected contracts if there was a rejection after contract was entered. Knowledgeable of Promotions, buydowns, tier rates and residuals. Wholesale Clerk: Responsible for maintaining dealership inventory, coordinating transfers between dealers, billing and collecting dealer loans, capital, revolving and mortgage. Collection of notes and securities payments due to interest and flat charges on dealer inventory. Paid dealer wholesale incentive, and added vehicles to dealer line either bought at the auction or dealer purchased with a check from another dealer. Maintained dealership insurance coverage and prepared audits of dealer inventory. Maintained dealer cash management accounts. Monitored dealers to ensure dealer was not in status situation and show that dealer was making a profit and not losing money. Credit Investigator: Responsible for investigating all credit applications submitted by the dealer for accuracy of loan application. Assembled documents: prepared papers, processed applications and completed transactions of individuals applying for loans. Maintained all logs associated with the investigation process. Proper verification was essential to maintain profitable performance-based market share. Maintained logs, and sent manual ECOA and FCRA letters to customers whose business application was conditioned or rejected. Also, manual letters were sent to customers whose applications were conditioned in a timely manner. Maintained all titles on accounts. Followed up on lost titles, applied for duplicate titles and surrendered titles to other states. Maintained follow-up log and sent titles to State of Alabama when customer had second lien on title. Lease Termination Clerk: Responsible for Lease Termination paperwork. Verified all information on paperwork was accurate. Collected all fees that were due at termination, worked closely with the Auto Auction to ensure automobile had arrived with no damage and was ready to resale within one month from termination date. Processed Auto Auction paperwork to close out file. Refunded customers’ deposits.

Repossession Clerk: Charged all repossession bills to accounts, and all additional amounts to contract were cancelled. Collected all fees due from dealer, and followed automobile to auction for sale. Processed sale paperwork and closed file. Worked directly with state agencies to stay updated on legal procedures.

Customer Service Clerk: Processed customer extensions, transfers of equity, rewrites to reduce customer payments, and charge offs. Performed inspection of customers’ autos to ensure damage was repaired before endorsement of checks. Very knowledgeable of basic bankruptcy legal procedures for the protection of company’s interest. General customer service responsibilities. Cashier: Processed and applied customer payments, and then released titles to appropriate persons. Quoted customer pay-off amounts and released certain credit information as needed. Ensured quality customer service; and handled AR and AP.

REFERENCES AVAILABLE UPON REQUEST