Sandra Gates Email & Phone Number

New York, New York, Us

New York, Ny, Us

Home Lending capital markets risk manager providing risk oversight for key MSR portfolio risk management activities. Capital Markets risk engagement and oversight of bulk MSR acquisitions, sales and other servicing portfolio related initiativesAssist in bulk MSR acquisition pool selection through evaluation of loan level deal stratification, credit box analysis and assessment of concentration risk.Home Lending risk engagement for independent credit, compliance, profitability and counterparty due diligence analysis of potential bulk MSR purchase transactionsResponsible for procedure documentation, reviewing existing policy controls and identifying gaps or opportunities to optimize effective MSR acquisition due diligence.Provide risk support for capital markets MSR portfolio sales initiatives.

Washington, District Of Columbia, Us

Madison, Nj, Us

Identified customer needs and conducted property searches; presented residential properties and informed customers about features and benefits of homes. Spearheaded home selling and purchase operations including interaction with loan brokers and lawyers. Presented offers to buyers and brokers. Facilitated contract negotiations. Communicated with escrow companies, lenders, home inspectors, and pest control operators to meet purchase agreement terms. Coordinated property closings, ensuring all documentation was prepared and monies were disbursed. Produced market analysis reports to educate clients on current trends and local home values. Originated marketing collateral to promote available properties and listed homes in multiple listing services.

New York, New York, Us

Orchestrated transactions for A and Alt-A whole loan acquisitions and securitizations from origination to settlement; assembled all relevant documentation. Oversaw structured finance deals for third-party securitizations and Citigroup Mortgage Loan Trust, Inc. Interfaced with personnel on trading desk including traders, salespeople, structurers and analysts. Contacted rating agencies, accountants, law firms and other third parties in order to close deals. Interacted with vendors to complete diligence, collateral and data integrity assessments. Compiled documentation including memos of sale, confidentiality agreements, loan purchase agreements and funding memos.

Charlotte, Nc, Us

Championed A and Alt-A Banc of America Mortgage Securities (BOAMs) and Banc of America Funding Corporation (BAFC) monthly securitizations. Collaborated with principal finance team in mortgage loan purchase agreement negotiations and transactions. Cultivated new customer relationships to provide profitable pipeline of clients. Communicated with trader, structurer and collateral analyst to prepare marketing materials. Assisted trading desk, sales team, trade counterparties, and diligence/collateral/data groups in reconciling associated issues.

Zurich, Ch

Directed and managed all monthly Fannie Mae deals. Oversaw the purchase and sale of A and Alt-A whole loans through Credit Suisse’s conduit from trade confirmation through settlement. Visited with whole loan accounts accompanied by salespeople for client relations and/or underwriters for due diligence, collateral and data integrity reviews. Served as a valuable resource for the trading desk, sales, trade counterparties, diligence/collateral/data groups, and servicing associates; assisted personnel in reconciling issues. Conceptualized and drafted commitment letters, memos of sale, confidentiality agreements, custodial agreements, and mortgage loan purchase agreements.

New York, New York, Us

Provided subordinate ratings on multiple mortgage-backed security transactions such as A, Alt-A and subprime quality fixed- and adjustable-rate loans, including HELOC, HEL, 125% LTV and MH loans. Interacted with mortgage issuers, underwriters and bond counsel to close mortgage deals. Responded to customer inquiries about corporate analytical methodologies. Presented collateral analyses and credit enhancement proposals to ratings committee. Performed cash flow and spread model assessments on home equity deals to foreshadow ratings on bond-insured deals.

New York, Ny, Us

Examined collateral on A, Alt-A and subprime quality fixed- and adjustable-rate loans, including HELOC, HEL, 125% LTV loans. Presented collateral analyses and credit enhancement proposals to ratings committee. Performed cash flow and spread model assessments on home equity deals to foreshadow ratings on bond-insured deals. Examined legal documents to ensure compliance with S&P’s criteria requirements.