Natasha A. Cooper

** ****** ****, *********** ** 08046

ad05rd@r.postjobfree.com 609-***-**** linkedin.com/in/cooperna

Professional Experience

NEW JERSEY CIVIL SERVICE COMMISSION, Trenton, NJ

Human Resource Consultant 2022 – Present

Conducts routine title classification and compensation surveys, and position classification review and audits in various assigned jurisdictions, departments, and agencies; responds to routine title classification requests; provides personnel management guidance to state/local jurisdictions; performs routine personnel work involving selection procedures, personnel information systems, staff and organizational development, workforce planning, equal employment opportunity, employment counseling, and application of rules and regulations; work is closely-monitored and regular feedback is received; tasks are basic, procedural, and uncomplicated; does other related duties as required.

LOWER LLC DBA HOMESIDE FINANCIAL, Fairfax, VA (Remote)

Mortgage Underwriter 2020 – 2022

Performed credit risk analysis of retail, correspondent conventional (FNMA/FHLMC) and jumbo loans. Managed an average daily pipeline of 70+ loans month. Loan reviews included income, credit history, assets, and appraisals to ensure loans comply to product and investor guidelines. Ranked top 10 performer.

SITUSAMC, Houston TX (Remote)

Mortgage Underwriter 2018 – 2020

Analyze credit documents, including mortgage applications, credit history, income documents, title documents, appraisals, and all compliance documents. Loans are reviewed for completeness, accuracy, and adherence to underwriting guidelines, compliance laws, and regulations.

PHH MORTGAGE CORPORATION, Mount Laurel NJ (Remote)

Mortgage Underwriter 2010 – 2017

Performed credit risk analysis of retail, correspondent conventional (FNMA/FHLMC) and jumbo loans. Managed an average daily pipeline of 60+ loans month.

Achieved minimal defaulted loans by conditioning loans based on required program / product guidelines and ensuring clients’ ability to obtain / maintain loan requirements.

Communicated credit risk decisions to correspondent or loan processor, providing detailed written summary of credit income, asset, title, and appraisal analysis.; enabled processor or correspondent to communicate items needed to complete underwriting process, with the hopes of the final decision being an approval for client.

Maintained and exceeded productivity and quality assurance goals, achieving 0% defects for 3 consecutive quarters.

Built and maintained positive relationships with correspondent/retail lenders by aiding and being source of reference when required.

Met department and company goals and objectives by supporting team as necessary.

Provided team with daily pipeline reports, ensuring each outstanding file was completed within department standards and goals.

REO Post Closing Specialist 2008 – 2010

Filed Officer Certifications in to recoup loss with foreclosed properties. Cross-trained in Write Offs, HUD approval, MI Claims as back up and back up day to day tasks for post-closing Senior Representative.

Recovered over $8M in outstanding investor claims via Officer Certifications by diligently following through with attorneys for required documents and reconciling HUD-1 statements for proper execution / filing of Officer Certifications.

Improved on Loss Sheets process for greater reporting accuracy of PHH loss on REO properties by modifying required forms and capturing specific details on worksheet which allowed for more streamlined way to recognize any inconsistencies in estimated losses compared to actual losses.

Trained 6 team players in post-closing functions of prepping OCs, loss sheets, Mortgage Insurance (MI) claims, and wires, enabling supervisor / management team to focus on other areas that were lacking and resulting in better production in all areas of process.

Recovered additional expenses on 180 investor claims using supplemental OC process.

Created new cash application sheet and OC process, resulting in greater accuracy and faster recovery of investor claim funds.

Senior HELOC Loan Modification Representative 2004 – 2008

Point of contact and processor for clients requesting credit limit modification on their existing home equity line of credit. Current income, credit, assets, and property appraisals were analyzed as part of process which also included preparation of modification documents to be submitted to county for recording if clients were approved for the line modification.

Pioneered Home Equity Line increase process by creating process flow with extensive research on guidelines which segued to creation of this department.

Resolved escalated issues such as misapplied or missing payments with an on average 90% customer satisfaction rating.

Trained and mentored new modification representatives.

Managed performance review process for junior team players and facilitated review discussions.

Provided production & progress tracking reports of line increases to the supervisor or directly to manager/director which in turn allowed the management team to analyze the departments performance levels.

HELOC Customer Care Representative 2000 – 2004

Second level point of contact in a call center environment in which clients / customer service representatives called for detailed research on client issues and request, such as credit line decreases and subordination requests.

Assisted the customer service call center with incoming call que when needed.

Provided supervisor support with any escalated calls in absence of an available call center supervisor.

Education & Professional Development

Bachelor of Science (BS) in Information Technology, Kaplan University, Davenport, IA

Graduated with 3.86 GPA.

Member of the Iota Sigma Tau Honor Society.

Yellow Belt Six Sigma, PHH Mortgage, Mount Laurel, NJ

Technical Skills

Microsoft Word, Excel, Access, and Outlook Windows 10 Adobe Illustrator and Photoshop Encompass

Awards

Perfect Quality Award / PHH Mortgage

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