Profile Confident, creative and highly qualified managerial professional with 15+ years of distinguished performance in the Mortgage industry. Broad-based background encompasses exceptional work ethic and commitment to organizational objectives within a highly competitive and rapidly changing marketplace. Proactive manager, team builder and tactical planner with ability to attract and secure key players in building strong and lasting business relationships. Professional Mortgage Experience Underwriting * Perform personnel tasks for the team such as time sheets, coaching, and identifying training needs. * Maintain knowledge of Company policies and procedures in addition to private investors, government investors and portfolio Credit Policy and Guidelines. * Underwrite conventional, portfolio loans, and FHA loans following guidelines and policies of applicable mortgage providers. * Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired. Ability to make decisions in a time sensitive manner. * Handled complex underwriting decisions requiring senior knowledge and/or unique problem-solving abilities. * Knowledge of Word, Excel and AUS systems * Direct Endorsement (CHUMS) * VA SARR * USDA underwriting * Thorough familiarity with industry and investor guidelines * Supports the Mortgage Operations Staff in the structuring and approval of complicated mortgage transactions * Have knowledge and demonstrate proficiency at all levels of mortgage underwriting including Government, Agency, Jumbo and Super Jumbo lending Management * Mentors and coaches underwriters in product guidelines, policy and procedures * Provide consistency in leadership, credit quality and decisions, process flow, customer service and risk control for the underwriting team * Strong record of managing teams to exceed performance expectations, leveraging risk mitigation strategies related to process scope and delivery timelines * Ability to efficiently manage multiple projects and manage to deadlines to provide all deliverables * Ability to work collaboratively as part of a cross-functional team, while at the same time being self-directed and action-oriented, with the ability to reinforce and build such culture * Provide executive management feedback, objective analysis, evaluation, recommendation and observation * Monitoring credit quality, lending authority and performance management actions within the Underwriting site and ensures administrative and operational compliance with regulatory requirements * Uphold Fair Lending practices * Thorough knowledge of complex personal and business financial analysis, expertise in tax returns and balance sheet analysis including both cash flow and AGI methods. * Assesses the reasonableness of corrective action to relative to quality control finding * Assume primary responsibility for pipeline management within specific line of business on a day to day basis. * Monitor Underwriter Scorecards and communicate with Site Manager if Action plans are required * Working with Human Resources and executive staff on resource management and developmental training programs Page 1 Kimberly Pfeifer 3623 Bucknell Circle Highlands Ranch, CO 80129 303-503-1267 kpfeifer74@gmail.com Management Continued * Sound judgment with ability to escalate when appropriate * Lending Authority up to $1.5M for FNMA, FHLMC, HARP, Non-Conforming and Government * Required travel to train Underwriters on policy, procedures and implementation of new product launches * Collaborate with National Underwriting team on new policies, procedures, audits and lending authority * Lead multiple program specific underwriting teams targeting HARP, Purchase, FHA, Refinance with excellent goal attainment with minimal Loan Quality Review error risk free rate * Member of the JPMorgan National policy review board

Highlights:

• Underwriter
• Underwriting
• Balance
• Balance Sheet
• Balance Sheet Analysis
• Cash Flow
• Coaching
• Compliance
• Customer Service
• Evaluate