Kristen (Kristy) Harper

• Mortgage Default Reporting and Reviews provides administrative support for Collections deferrals and suspense management
• Additionally, the team supports Collections by reviewing all loans in default and reports the appropriate status to Fannie Mae, Freddie Mac, and FHA
• Another primary role involves reviewing all defaulted loans for foreclosure, and making recommendations to the FC Review Committee on whether to foreclose or charge-off.
• Consistently met or exceeded established goals related to loss mitigation, delinquency resolution, and borrower satisfaction.
• Optimized workflow processes through implementation of technology tools that increased productivity within the department.
• Reduced mortgage default rates by implementing effective loss mitigation strategies and consistent follow-up procedures.
• Trained new hires in mortgage default procedures, contributing to a knowledgeable and efficient team environment.

• Place outbound calls and receive incoming calls to negotiate with members in order to obtain promise to pays for delinquent mortgage accounts
• Efficiently communicate with members and notate all communication into our mortgage application system lps
• Council members on loss mitigation and other hardship options available
• Follow Navy Federal and investor guidelines and policies
• Provide mentorship to new team mates by volunteering to have them to complete side by side job shadowing
• Consistently meet and exceed monthly quality assurance goals by covering investor requirements during each phone call
• During the pandemic of 2020 –present I’ve helped assist members on forbearance plans for hardships of Covid -19
• Went to working as Teleworker from March 2020- Present
• Received Employee of the Month January 2021.

Provided excellent customer assistance daily by efficiently completing financial transactions, such as deposits, withdrawals, transfers and check cashing without errors

• Maintained a and balanced cash drawer daily and ensured consistent accuracy in all monetary transactions
• Performed cash audits, switchboard operator, organize deposit slips, payment collection, resolved customer issues
• Thorough knowledge of financial systems and their policies
• Adhered to the credit union’s operating procedures and policies as outlined in the employee handbook.