Jeff Bergman Email and Phone Number

• Develop and implement programs to grow volume, improve the customer experience and operational efficiency.• Partner with finance to drive changes to pricing model to ensure profitability targets are achieved.• Partner with Legal, Compliance and Fair Lending teams to ensure initiatives, product documentation and website information meets all regulatory requirements• Developed pricing exceptions process, reporting and controls required to pass internal audits.• Work for Mortgage Capital Markets team to develop profitability analysis for products and channels.• Developed and implemented strategies for LMI customers as part of the bank’s CRA strategy• Developed and implemented Wealth Relationship Offer for Private Bank customers.• Partner with Risk to review changes to credit box and draft and implement lending policies.

• Helped grow Home Equity business from $1 billion to $5 billion by developing marketing strategies for different customer types (lien position and size) and different use purposes (home repair, debt consolidation, education).• Partnered with marketing to develop direct mail campaign, internet content, and customer outreach programs to manage the potential risk for customers coming to the end of the draw period. • Developed payment structures for new Chase HELOC product in order to eliminate payment shock to customers.• Launched nationally the “Branch Warm Transfer” pilot process to change the way applications are taken.• Conducted competitive analysis of products, pricing, market share, and credit box.• Developed and implemented rate exceptions policy and process.• Worked with Finance to manage the forecasting and budgeting process to ensure business strategies are properly reflected.• Partnered with Pricing to refine pricing model and managed pricing to ROE targets.• Partnered with Risk to review changes to the credit box. Estimated potential impacts on growth or contraction.• Partnered with sales, operations and underwriting teams to implement new business processes and policies.

JPMorgan Chase and Washington Mutual, Inc.• Supervised staff of up to 9 financial analysts and reported to SVP of Finance for Capital Markets and Servicing.• Analyzed and prepared annual financial plan and monthly forecasts for mortgage servicing ($900 million) and mortgage portfolio ($200 billion) businesses.• Developed productivity metrics used to drive budgeting and measure business unit performance.• Developed financial models to determine earnings sensitivity and earnings at risk under multiple economic scenarios.• Analyzed portfolios including forecasting balances, yield, funds transfer pricing rates, return on equity and return on assets.• Submitted analysis of the home lending balance sheet risk-weighted asset forecast used for capital adequacy.• Analyzed new business initiatives to determine financial impact including new product profitability and business restructuring.• Developed 5-year strategic financial plan (income statement and balance sheet) used to support business strategy.• Analyzed competitors’ performance and strategies to assess competitive position and financial performance.

• Analyzed and prepared annual financial plan and monthly forecasts for the country’s 4th largest mortgage company with $4 billion of revenues and $2 billion of expenses. Developed presentations of budget and forecast for divisional CEO and CFO to present to senior corporate management. Supervised staff of 3 financial analysts.• Developed 3-year strategic financial plan (income statement and balance sheet) used to develop business strategy.• Developed financial models to determine earnings sensitivity and earnings at risk under multiple economic scenarios.• Actively participated in the integration of the financial planning and reporting division of Bank One consumer real estate lending business. Developed top-down, spreadsheet based method for combining financial results and forecasts for business analysis prior to systems integration.• Prepared variance analysis of actual, forecast and plan results for communication to divisional and corporate executives.• Performed ad hoc projects directly for CFO including detailed business profitability analysis.• Supervised compilation of monthly management reports. Continuously updated and developed new reports to address current issues facing the business. Ensured accuracy and consistency of data and message.• Analyzed competitors’ performance and strategies in order to assess competitive position and financial performance.