Mortgage Sales

Jeffrey R. Bergida, Esq.

*** ******** ****, ***. ***

East Brunswick, New Jersey 08816

*.*******@*****.***

http://www.linkedin.com/in/jeffreyrbergida

Mobile Tel. 908-***-****

Home Tel. 732-***-****

SUMMARY OF EXPERIENCE

Mortgage banking attorney and commercial litigator with wide-ranging

experience as both in-house counsel and private practitioner. Expert in

matters of federal and state regulatory compliance affecting consumer

lending and servicing of residential mortgage loans. Specialties include

loan product development, secondary market transactions, default

management, loss mitigation, consumer bankruptcy, mortgage fraud, land use

and title issues, licensure, administrative enforcement actions, agency

liaison activities and foreclosure law. Seasoned litigator of claims

asserted against lenders, brokers and builders.

EXPERIENCE

McGlinchey Stafford PLLC, Albany, New York 09/2008 -

03/2009

Contract Attorney (Temporary Position)

. Represented consumer lenders in complex litigation.

MortgageIT, Inc., a Subsidiary of Deutsche Bank, New York, NY 08/2007 -

06/2008

Deputy General Counsel

. Examined complex consumer complaints and prepare replies to complainants

and government regulators.

. Negotiated mortgage loan repurchase transactions with investors.

. Advised regulatory compliance department on all issues relating to loan

origination.

. Managed outside counsel in connection with all mortgage banking-related

litigation including foreclosures and bankruptcies.

. Addressed title issues including claim letters on closing protection

letters.

. Supervised document production responsive to subpoenas.

. Acted as liaison to federal and state law enforcement officials

investigating mortgage fraud.

. Assisted loss mitigation department in disposition of REO properties

. Trained and supervised staff of four paralegals.

Lydian Data Services, LLC, Boca Raton, Florida 07/2005 -

08/2007

Senior Counsel/Mortgage Lending Compliance

. Directed regulatory compliance department for company, which provides

closed loan due diligence to mortgage loan originators and investors in

the secondary mortgage market.

. Tracked and interpreted federal, state & local legislation and

regulations (including RESPA, TILA, HOEPA, GLBA, HMDA, FDCPA, FCRA/FACTA,

ECOA, USA Patriot Act of 2001 and all state laws relating to residential

mortgage lending).

. Monitored pending state and federal legislation. Communicated status of

relevant pending legislation and enacted legislation pertaining to

business operations and coordinated the implementation of such

legislation with operations, systems and support departments.

SIB Mortgage Corp., Branchburg, New Jersey 05/2002 -

07/2005

Chief General Counsel/Vice-President

. Founded legal department of leading national residential mortgage lender

(a wholly-owned subsidiary of SI Bank & Trust, a federally-chartered

thrift institution).

. Managed outside counsel in connection with all mortgage banking-related

litigation including class actions.

. Provided counsel to loan servicing and collection departments regarding

foreclosures, bankruptcies, delinquencies, defaults and loss mitigation.

. Supervised development of new loan products.

. Acted as liaison between company and Office of Thrift Supervision.

. Supervised state and federal audits, including preparation of audit

packages responsive to agency findings.

. Provided legal advice in support of operations, regulatory lending

compliance, licensing, land use and title insurance issues.

. Served as company's primary contact for all agency, consumer and broker

complaints.

. Produce compliance manual and training materials in conjunction with

department managers.

. Negotiated mortgage loan purchase agreements with investors and

correspondent lenders.

. Negotiated settlements with investors, correspondents and brokers in the

event of default of loan purchase agreements.

. Hired, trained and supervised staff of two attorneys and two paralegals.

Cestaro & Bergida, New York, New York 07/1997 - 05/2002

Shareholder

. Created and chaired law firm's mortgage foreclosure department consisting

of four attorneys and support staff.

. Represented a national originator and servicer of subprime mortgage loans

in connection with its foreclosure and bankruptcy litigation in the State

of New York.

. Advised and assisted client's loss mitigation department in negotiating

and drafting agreements to effect short payoffs, forbearance agreements,

deeds-in-lieu-of-foreclosure, assumptions and modifications.

. Coordinated sales of lender-owned REO properties.

Ferber Greilsheimer Chan & Essner, New York, New York 09/1991 -

07/1997

(Now Doing Business as Ferber Chan Essner & Coller, LLP)

Associate (Commercial Litigation Dept.)

. Conducted civil trials and regulatory hearings.

. Engaged in motion and trial practice, drafted pleadings, conducted civil

depositions and directed discovery proceedings.

Shea & Gould, New York, New York 09/1988 - 08/1991

Associate (Commercial Litigation Dept.)

EDUCATION

The University of Michigan Law School, Ann Arbor, Michigan

May 1988

Juris Doctor

The University of Michigan Business School, Ann Arbor, Michigan

May 1985

Bachelor of Business Administration

CLASSES/SEMINARS TAUGHT

Panelist, Business Technology Roundtable, National Home Equity Mortgage

Association, February 2006

PROFESSIONAL AFFILIATIONS

Bar of the State of New York

United States District Courts for the Southern and Eastern Districts of New

York

American Bar Association, Section of Business Law

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