Sarah Howell Email and Phone Number

In this role, I am actively acquiring the skills necessary to establish my mental health private practice. I engage in providing therapy to individuals and couples, utilizing both online platforms and in-person sessions. I offer comprehensive support for issues like anxiety, depression, grief, relationship challenges, terminal illness, and trauma. I primarily use Emotionally Focused Therapy (EFT) as a therapeutic intervention. This evidence-based therapeutic approach is experiential and… Show more In this role, I am actively acquiring the skills necessary to establish my mental health private practice. I engage in providing therapy to individuals and couples, utilizing both online platforms and in-person sessions. I offer comprehensive support for issues like anxiety, depression, grief, relationship challenges, terminal illness, and trauma. I primarily use Emotionally Focused Therapy (EFT) as a therapeutic intervention. This evidence-based therapeutic approach is experiential and client-centered based on attachment science. I integrate Gottman couples interventions, creative art, and expressive techniques like Photovoice, framed within a strengths-based perspective. Show less

• Delivered compassionate social work services to terminally ill patients and their families facing end-of-life challenges (home-based and facility). Conducted comprehensive biosocial assessments, provided psycho-social support, and counseling for those grieving. Connected patients and families with vital resources pertaining to the health and welfare of the patient. Developed a comprehensive local resource listing for staff and patients. Maintained patient records using Epic patient… Show more • Delivered compassionate social work services to terminally ill patients and their families facing end-of-life challenges (home-based and facility). Conducted comprehensive biosocial assessments, provided psycho-social support, and counseling for those grieving. Connected patients and families with vital resources pertaining to the health and welfare of the patient. Developed a comprehensive local resource listing for staff and patients. Maintained patient records using Epic patient charting.• Developed and executed a social justice project report, reflection, evaluation, and artifact (photo essay) highlighting hospice care's compassionate and caring aspects. The project aimed to challenge societal taboos around death, increase empathy, and broaden public perception of hospice care. The photos featured patients, families, and staff, capturing their experiences and the impact of hospice on their lives. The project raised awareness about hospice care and advocated for equitable access to end-of-life care. Show less

Operational Risk & Audit Group, Capital Markets Structured Credit GroupThe following relates to 120+ separate US securitization lending transactions• Maintains oversight of operational risk (cash, collateral and reporting) in a variety of asset classes, including automobiles, equipment, consumer, trade accounts receivables, credit cards, student loans, leasing, capital call, collateral loan obligation and portfolio leverage. • Reports monthly to senior management on the new… Show more Operational Risk & Audit Group, Capital Markets Structured Credit GroupThe following relates to 120+ separate US securitization lending transactions• Maintains oversight of operational risk (cash, collateral and reporting) in a variety of asset classes, including automobiles, equipment, consumer, trade accounts receivables, credit cards, student loans, leasing, capital call, collateral loan obligation and portfolio leverage. • Reports monthly to senior management on the new business and renewal pipeline in relation to operational risk.• Summarizes operational risk annual credit review results for senior management.• Performs due diligence for new business clients, including negotiating terms with respect to the audit, backup servicing, custodian relationship, and trustee reporting for new securitization transactions. • Participates in annual ongoing transaction management and due diligence.• Works with investors and other syndicate banks to coordinate various responsibilities. • Manages pre-close, annual, and semi-annual audits including identifying key risks, reviewing workpapers, providing constructive feedback to the audit teams, drafting reports for Business and Credit Risk management, communicating results to senior business management, remediating issues and monitoring the audit budget to ensure timely delivery of results.• Partners with the business and outside counsel to structure transaction collateral and cash flow requirements.• Prepares and/or approves operational risk forms used within the credit package. • Attends periodic underwriting committee meetings and speaks to the operational risk aspects of the transaction. • Established a third-party audit vendor management program including oversight of scope, fee negotiation and product deliverables. • Periodically performs audit work generally performed by external vendors. • Serves as a trusted advisor to senior management related to reporting on audit results and related follow-ups. Show less

Risk & Compliance Practice• Managed securitization due diligence review engagements (approximately 25 annually) on target borrowers (domestic and international) ranging from middle-market to Fortune 500 companies on behalf of investors in a variety of asset classes.• Participated in strategic design changes for a major credit card company to assist in assessing third-party partners, including risk identification and risk mitigation strategies. • Planned and executed risk… Show more Risk & Compliance Practice• Managed securitization due diligence review engagements (approximately 25 annually) on target borrowers (domestic and international) ranging from middle-market to Fortune 500 companies on behalf of investors in a variety of asset classes.• Participated in strategic design changes for a major credit card company to assist in assessing third-party partners, including risk identification and risk mitigation strategies. • Planned and executed risk assessment reviews of merchant acquiring banks to assess gaps and determine compliance with VISA and OCC standards.• Participated in the design and completion of a credit review function benchmarking study and subsequent follow-up leadership discussions with key stakeholders. • Developed and delivered third party issuer training, new hire training and merchant acquirer analysis training.• Reviewed loan portfolios for Inclusion of all documents to show compliance with company underwriting, credit and collection policies, inclusion of all financing documents to show first priority lien and perfection status, inclusion of all disclosure and other documents required according to state and federal law, and demographic and concentration analysis.• Processed documentation and execution of test plans related to the significant processes at the collections subsidiaries of a major lending institution. • Analyzed commercial credit loan decisions by spreading financial statements and producing cash flow, debt coverage and profitability analysis. Show less

Underwriting I - Associate Officer, International Credit• Provided support to Relationship Managers and Underwriters through credit analysis and preparation of the credit approval package.• Gathered data on an active or prospective customer and completed thorough analyses of the company and its industry.• Analyzed financial statements, performed covenant tests, projected cash flows and evaluated a company’s financial soundness under various economic scenarios.Credit… Show more Underwriting I - Associate Officer, International Credit• Provided support to Relationship Managers and Underwriters through credit analysis and preparation of the credit approval package.• Gathered data on an active or prospective customer and completed thorough analyses of the company and its industry.• Analyzed financial statements, performed covenant tests, projected cash flows and evaluated a company’s financial soundness under various economic scenarios.Credit Analyst, Middle Market• Provided support to Relationship Managers and Underwriters through credit analysis and preparation of the credit approval package.• Gathered data on an active or prospective customer and completed thorough analyses of the company and its industry.• Analyzed financial statements, performed covenant tests, projected cash flows and evaluated a company’s financial soundness under various economic scenarios. Show less

Correspondent Banking Division• Spread financial statements manually using bank call reports and electronically using SNL Datasource.• Underwrote loan presentations for bank guidance line/loan requests and renewals greater than $2M.• Updated, improved and invented various spreadsheets used to monitor bank performance and loan/line usage.• Verified and confirmed weekly pipeline reports on weekly deadlines.