Sarah Newkirk Email and Phone Number

--Approve or deny mortgage insurance coverage on standard loans based on evaluation of risk factors associated with loan, borrower, and property eligibility

--Contributed ideas to and wrote articles for Chicago Tribune’s Sunday business section (CareerBuilder page)--Wrote articles for both job seekers and employees—articles focused on job-search strategies, common workplace issues, and career advice.--Articles appeared online and/or in 15 Tribune Company-owned national newspapers, including the Los Angeles Times.--Work featured in an e-book titled, “Calling All Grads! Turn a Degree Into a Job."--Possess working knowledge of AP Style, The Chicago Manual of Style, and Chicago Tribune style

--Evaluated conventional mortgage loan applications to determine level of risk based upon applicant’s credit history and capacity to pay, as well as the subject collateral--Underwrote to agency requirements and investor guidelines and overlays--Managed underwriting queue to adhere to SLA of 24-hour turn times for conditions and productivity expectation of two new files per day; communicated loan statuses with internal and external sales staff and underwriting management--Assisted in special project for rewrite of underwriting conditions to be implemented into new LOS--DE-certified/FHA underwriter—FHA CHUMS number available upon request--Proficient in use of automated underwriting systems, including DU and LPA

--Evaluated conventional and FHA mortgage loan applications to determine level of risk based upon applicant’s credit history and capacity to pay, as well as the subject collateral--Underwrote to investor guidelines—bank sold to nine different investors, requiring underwriters to be familiar with their respective product guidelines and overlays.--Underwrote and presented jumbo portfolio loans to Retail Loan Committee for approval, providing detailed loan summary and presentation of strengths, weaknesses, and adherence to product parameters--Assisted in special project for complete rewrite of bank’s portfolio guidelines—edited master guidelines document for grammar, spelling, and punctuation; better clarity; and accuracy of information.--DE-certified/FHA underwriter—FHA CHUMS number available upon request.--Proficient in use of automated underwriting systems, including DU and LPA--Underwrote loans to ensure compliance with Ability-to-Repay and Qualified Mortgage rules

--Edited and proofread materials for job seekers, including resumes and cover letters--Wrote human-interest stories, personality and company profiles, and general-interest stories--Experienced blogger and user of social-media platforms such as Facebook and Twitter--Possess solid skills in grammar, syntax, and essay writing--Possess working knowledge of AP Style, The Chicago Manual of Style, and Chicago Tribune style

--Prepared drink items from an extensive, constantly changing menu in a highly trafficked coffee shop--Accommodated customer needs and responded to concerns

--Led team of home equity mortgage underwriters, serving as subject-matter resource and managing team members' daily work flow and administrative items--Completed second-level reviews of declined loans and loan types exceeding team members' lending authority--Managed team members to department- and line of business-mandated deadlines and objectives; communicated daily, monthly, quarterly, and annual goals to team members and evaluated performances in accordance with those metrics

--Led team of mortgage banking underwriters, serving as subject-matter resource and managing team members' daily work flow and administrative items--Completed second-level reviews of declined loans and loan types exceeding team members' lending authority--Served as mentor for newly created FHA and purchase-loan underwriting teams--Assisted new underwriters in obtaining lending authority--Managed team members to department- and line of business-mandated deadlines and objectives; communicated daily, monthly, quarterly, and annual goals to team members and evaluated performances in accordance with those metrics

--Evaluated conventional and FHA mortgage loan applications to determine level of risk based upon applicant’s credit history and capacity to pay, as well as the subject collateral.--DE-certified/FHA underwriter—FHA CHUMS number available upon request.--Approved loans according to adherence to state and federal regulations and company and investor guidelines.--Envisioned ways to restructure/counter-offer deals.--Reviewed income documentation, including personal and business tax returns.--Analyzed a borrower’s income to determine its level of stability and calculated eligible qualifying income according to recent earnings history.--Ranked first among underwriters at the Chicago mortgage banking site for the first half of 2012, based upon an overall underwriter score revolving around quality, production, and teamwork.--Designated an underwriter for employee and Chase Private Client loans.--Assisted in the training and development of new employees and was selected as a mentor for the new department at the Milwaukee site.

--Taught college-level courses in English composition, grammar, and reading--Taught developmental English courses--prepared students for college-level reading and writing work--Used Blackboard academic Web site--Designed syllabi and course content in accordance with department- and college-mandated learning objectives and expectations