Sarah Krugman
North Ridgeville,OH
Summary
Talented Professional with 13 years of experience and expertise in Jumbo, QM/NON-QM, DSCR, Bank statement, and Conforming Underwriting. Proficient with Encompass. Experienced with Retail, Wholesale and Correspondent Lending departments.
Overview
13
13
years of professional experience
Work History
Remote Senior Jumbo Underwriter
Guaranteed Rate/Stearns Lending
Chicago, IL
08.2019 - 07.2023
- Demonstrated high proficiency in the review of Jumbo loan underwriting and ensures documentation complies with investor requirements
- Proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
- Support and uphold fair lending practice of Guaranteed Rate loans and responsible for productivity targets and keeping updated on all credit policy changes that affect underwriting
- Reviewed, evaluated,approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Reviewed Appraised value of collateral properties to determine their acceptability as security for loans.
- Experience with Jumbo, QM/Non-QM, DSCR, Bank Statement and Conforming loans.
- Worked with Retail and Wholesale Sales Teams
- Proficient with Encompass and Orijin.
Remote Senior Jumbo Underwriter
Citywide Home Loans
Salt Lake City, UT
01.2017 - 05.2019
- Demonstrated high proficiency in the review of Jumbo loan underwriting and ensures documentation complies with investor requirements
- Proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
- Support and uphold fair lending practice of Citywide Home Loans and responsible for productivity targets and keeping updated on all credit policy changes that affect underwriting.
Remote Senior Jumbo Underwriter
Guaranteed Rate
Chicago, IL
05.2016 - 01.2017
- Demonstrated high proficiency in the review of Jumbo loan underwriting and ensures documentation complies with investor requirements
- Proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
- Support and uphold fair lending practice of Guaranteed Rate and responsible for productivity targets and keeping updated on all credit policy changes that affect underwriting.
Senior Mortgage Jumbo Underwriter
JP Morgan Chase
Cleveland, OH
08.2010 - 05.2016
- Demonstrated high proficiency in the review of Conventional and Jumbo loan underwriting and ensures documentation complies with investor requirements
- Proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
- Support and uphold fair lending practice of Chase and responsible for productivity targets and keeping updated on all credit policy changes that affect underwriting.
Education
Banking and Accounting Coursework -
Lorain County Community College
University of Pittsburgh
Skills
- Analyzing Data
- Risk Mitigation
- Managing Risk
- Data Collection
- Application Review
- Building Strong Relationship
- Negotiation Proficiency
- Complex Self Employed Income Analysis
- Detailed Review of Complex Financial Assets
- Attention to Detail
- Credit Analysis
- Jumbo Underwriting
- DSCR
- QM/Non-QM
- Bank Statement
- Conforming
- FNMA/FHLMC
- Appraisal Review
Timeline
Remote Senior Jumbo Underwriter
Guaranteed Rate/Stearns Lending
08.2019 - 07.2023
Remote Senior Jumbo Underwriter
Citywide Home Loans
01.2017 - 05.2019
Remote Senior Jumbo Underwriter
Guaranteed Rate
05.2016 - 01.2017
Senior Mortgage Jumbo Underwriter
JP Morgan Chase
08.2010 - 05.2016
Banking and Accounting Coursework -
Lorain County Community College
University of Pittsburgh
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