Real Estate Manager

TIFFANY KNOFF

760-***-**** ************@*****.***

** ***** ********** ** ********* Services; 6 years experience in Real Estate Finance.

Highly motivated professional with proven track record of achieving aggressive production targets.

Experienced with operational development and process improvement.

JP Morgan Chase – San Diego, CA / 2011- present

HL LM Underwriter Jr. - Employee of the Month 3/2012

• Honored for superior Income Quality Review – Q1 2013.

• Reviewed, analyzed and approved complex individual consumer requests for mortgage loan modifications, adhering to stringent

quality and production metrics.

• Negotiated terms directly with investor on private/securitized portfolio to restructure mortgage loans to establish borrower repayment

capacity and meet investor & regulatory guidelines.

• Underwrote high risk portfolios in active bankruptcy for investors: USDA, FHLMC and FNMA; adhering to timelines and US

government regulatory requirements.

• Played an integral role in the development and implementation of the post-closing process for modifications for borrowers in active

bankruptcy; including but not limited to assisting in the creation of procedures, reporting, and training materials.

• Developed the process for obtaining approval from Bankruptcy Court for final modifications in active bankruptcy; acted as liaison

between Chase and attorneys, trustees and judges to ensure appropriate compliance in all districts.

• Collaborated with corporate and contracted counsel to identify and remediate liability issues related to modification file deficiencies.

TK Payroll Services - Escondido, CA / 2009-2011

Owner

• Utilized networking and leveraged existing relationships to solicit clientele

• Provided weekly and biweekly payroll services for clients as well as preparing quarterly and annual reports.

• Managed company provided health insurance accounts and payments.

Caliber Funding - San Diego, CA / 2009

Senior Loan Officer

• Responsible for first loan funded company-wide.

• Received extensive training on FHA and conventional underwriting guidelines.

Accredited Home Lenders - San Diego, CA / 2006-2008

Senior Loan Officer – President’s Club 2008

• Number one performer in my branch. Reliably in top three in region.

• Remained consistent in my production amidst significant organizational and industry-wide change and challenge.

• Contacted existing customers in Adjustable Rate Mortgages to refinance in-house prior to reset.

• Contacted existing customers to modify loan terms as part of a risk mitigation effort.

AAMCO Transmissions - San Diego, CA / 2004-2006

Service Manager

• Increased weekly gross sales average by 36%.

• In person and telephone sales – responsible for customer satisfaction.

• Managed workflow for a technician staff of 4 to achieve weekly revenue goals.

• Managed inventory/stock as well as per-job parts purchasing, payroll, AR and AP.

• Maintained compliance with Bureau of Automotive Repair.

Loanshoppers, Inc - San Diego, CA / 2004

Loan Officer

• Originated loans, negotiated rate & terms on behalf of the lending institution and borrower.

• Responsible for generating own leads.

TIFFANY KNOFF

760-***-**** ************@*****.***

Skills:

• Creative & resourceful in generating ideas and solving problems

• First-rate work ethic with a deep desire to succeed; works well autonomously

• Proven and able negotiator; consultative selling style

• Excellent oral and written communication skills; articulate & informed

• Composed under pressure; sets & meet high standards

• Strong analytical skills; highly organized and attentive to detail

• Computer literate with working knowledge of programs including, but not limited to:

MSP Lending Portal Calyx Point

LPS Desktop Fannie Mae: Desktop Underwriter

LenderLive Freddie Mac: Loan Prospector

Pacer Fannie Mae: HSSN

Microsoft Office Freddie Mac: WPII

Corelogic Agent Desktop

Data Verify Fastrieve

Education:

• University of California, Riverside

• Palomar College

• Cathedral City High School

Continuing Education:

• Mortgage Underwriter University: “Advanced Underwriting – Real World” – 2013

• Modification Underwriting - Net Income Calculation - 2013

• Modification Underwriting - Gross Income Calculation - 2013

• Florida 14 Hour Mortgage Continuing Education - 2009

• Maryland 20 Hr Continuing Education - 2009

• Illinois Loan Originator Exam Preparation - 2009

• California – Real Estate Principals - 2008

• California – Real Estate Finance - 2008

• California Agency Relationships and Disclosures - 2009

• California Ethics, Fraud and Predatory Lending - 2009

• Oregon Overview of Mortgage Lending - 2009

• Florida: Building Mortgage Credibility for Lasting Success - 2009

• Washington State Exam Review - 2009

• Wisconsin Loan Originator and Solicitor Exam Prep Course - 2009

• Iowa: Mortgage Basics: Increasing Knowledge, Creating Opportunities - 2009

Real Estate / Loan Originator Licensing:

• Oregon – expired

• Illinois – expired

• Colorado – expired

• Maryland – expired

• Wisconsin - expired

References:

• Christina McNelly - Chase, MB Underwriter Supervisor, 760-***-****, *********.*.*******@********.***

• An Dang – Chase, AVP/Bankruptcy Manager, 805-***-****, *********@*******.*** or **.****@*****.***

• Peggy West - Chase, MB Bankruptcy Supervisor II, 858-***-****, *****.*.****@*****.***

• Judd Weeden – Chase, MB Mortgage Banker RTL In Mkt, 805-***-****, ******.*.******@*****.***

Contact this candidate