Jennifer Pepo is a Regional Builder Operations Manager at Prospect Mortgage with over 24 years of experience in mortgage banking, loan processing, investments, and real estate planning. She manages specialized builder fulfillment for the Western US, overseeing processing, underwriting, and funding for new construction loans. Previously, she was a Loan Processing Manager at iMortgage, managing regional branches and ensuring loans were processed according to policies and procedures. She has expertise in various mortgage software and strong problem solving skills.

1. Jennifer Pepo, NMLS #1396215
2470 Stearns St #97, Simi Valley, CA 93063
(661) 492-3380, jennlangner@gmail.com
OBJECTIVE:
To obtain a position in management where I can utilize my experience in mortgage banking and leadership to create challenging
opportunities for professional growth.
HIGHLIGHTS
 Excellent leadership skills, and experience in managing/empowering a large number of employees.
 Over 24 years of experience in loan processing, mortgage banking, investments, and real estate planning.
 Strong problem solving/analysis skills and knowledge of complex financial concepts.
 Expertise in various mortgage processing software including Encompass, Point, Empower, Datatrac,MS Word
and MS Excel.
 Experienced in time management, establishing priorities and completing imperative deadlines.
LOAN PRODUCT KNOWLEDGE
Conforming & Non-Conforming products,ARMs, Jumbo loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA Rural
Development Loans, HELOC’s, fixed rate seconds, and Bond products including CalHFA.
PROFESSIONAL EXPERIENCE
Prospect Mortgage Sherman Oaks,CA 2015-Present
Regional Builder Operations Manager
 Manage Specialized Builder Fulfillment for the entire Western US, including Alaska and Hawaii.
 Oversee start-to-finish operations including processing, underwriting, and funding on all new construction loans,
including construction-to-perm refinance transactions.
 Responsible for working with each department to ensure most streamline, efficient, and thorough proceedures
specific to new construction loans are implemented, and followed.
 Work with sales team to strengthen both current, and new Builder partnerships specifically with new, and
specialized products that best suit our Builders’ needs.
iMortgage Santa Clarita, CA 2011-2015
Loan Processing Manager
 Manage two major regional branches, providing training, guidance and direction on daily activities to ensure files
are successfully processed.
 Oversee the entire human resources function for the branches to ensure the most qualified candidates are selected.
 Process some of the most challenging loan applications ensuring loans were processed in accordance with
established policies and procedures, federaland state guidelines.
 Empower employee success through incentive based rewards and motivation in turn raising overall production.
 Developed a process to forecast updates on ECOA weekly reports in an effort to ensure all loans received credit
decisions within 30 days of receipt.
 Coordinate weekly meetings to review loan pipeline process in order to maintain a meet 92%, or better of
branches projected closings, as well as review updated mortgage compliance policies and procedures.
 Achieve a pipeline turn-around time of 25 days or less (compared to the company average of 30 days.
Bank of America (Countrywide) Home Loans
Loan Specialist II Palmdale, CA 2003-2011
 Tasked with opening, processing, and drawing loan documents through the entire application process.
 Managed two joint ventures which included American Premier Home Mortgage and Frontier Home Mortgage.
 Obtained Clues Level II underwriting authority up to $1 million dollars.
 Completed a total of 134 files in a 1 month period making us the most profitable joint venture at Countrywide.

2. Forecast Homes,a K. Hovnanian Co.
Area Coordinator Palmdale, CA 1999-2003
 Supervised every department within company making recommendations to the Division President on new home
developments.
 Achieved a 90 day turnaround time for purchase of a newly developed tract home, lower than competitors.
 Responsible for opening escrow on all buyers in various communities and coordinating close of escrow upon
construction completion of single family dwellings.
 Reviewed all plotting with various civil engineers to ensure construction met city and state building requirements.
 Held weekly meetings with sales team to track loan status, sales projections and any necessary marketing ideas.
EDUCATION ANDCERTIFICATES
Antelope Valley College Lancaster,CA
 4 years of course work completed – classes in RealEstate,Business, Finance
Palmdale High School Palmdale, CA
 Graduate, Honor Roll in Business/Art