Sarah Stillman
Auburn,CA
Overview
22
22
years of professional experience
Work History
Director of Operations
GSCDC dba Capital Funding
North Highlands, CA
04.2022 - Current
- Manage client relationships and serve as one of the primary contact points for all loan applicants throughout the process. Incorporating, strong customer service throughout the process to keep clients engaged and motivated.
- Oversee the work flow of the File Manager and Loan Processors to develop a complete loan application package with minimal disruption and inconvenience to clients.
- Promptly decline any loan applications that will not secure approval as early in the loan process as possible. As appropriate, refer declined business owners to CDC Business Advising or other services that may assist them.
- Structure loan according to borrower needs and loan product requirements.
- Review and analyze financial documents for repayment ability and creditworthiness. Reconcile debt schedules and income statements with balance sheets to determine if the company's financial position can support the proposed debt.
- Responsible for identifying all loan conditions for approval, based on the individual business, borrower, the use of proceeds, location, and other determining factors.
Senior Loan Underwriter
GSCDC dba Capital Funding
North Highlands, CA
03.2011 - Current
- Work closely with Director of Operations to develop a complete loan application package with minimal disruption and inconvenience to clients
- Structure loan according to borrower needs and loan product requirements.
- Review and analyze financial documents for repayment ability and creditworthiness. Reconcile debt schedules and income statements with balance sheets to determine if the company's financial position can support the proposed debt.
- Promptly decline any loan applications that will not secure approval as early in the loan process as possible. As appropriate, refer declined business owners to CDC Business Advising or other services that may assist them.
- Responsible for identifying all loan conditions for approval, based on the individual business, borrower, the use of proceeds, location, and other determining factors.
Loan Assistant
Umpqua Bank
Auburn, CA
02.2002 - 03.2011
- Compiled closing packages containing all necessary documents required for funding.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Construction loan monitoring and disbursements.
- Loan servicing.
Education
Associate of Arts -
Sierra College
Rocklin, CA06-2000
High School Diploma -
Colfax High School
Colfax, CA06-1997
Skills
- Operations Management
- Customer Service
- Credit Analysis
- Credit Decision Making
- Cash Flow Analysis
- Attention to Detail
Timeline
Director of Operations
GSCDC dba Capital Funding
04.2022 - Current
Senior Loan Underwriter
GSCDC dba Capital Funding
03.2011 - Current
Loan Assistant
Umpqua Bank
02.2002 - 03.2011
Associate of Arts -
Sierra College
High School Diploma -
Colfax High School
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